Can I borrow extra money on my mortgage for home improvements or consolidating debts?
Yes, assuming you have enough equity (the amount left when you take your mortgage debt from the current value) and your credit is good, you can borrow additional money for any purpose (except business).
Can I stay with my current Lender if I want to move house?
Yes, if the Lender allows you to move your mortgage to a new property (known as ‘porting’ your mortgage) and assuming good credit and sufficient income if you need to borrow more money for the new house.
Should I try to reduce the terms of years left on my mortgage?
If you can afford to reduce your term, its always a good ideal to do so. You will pay less interest and have your mortgage paid off quicker.