Borrowing more on first time mortgage

Hi there,

I'm in the process of obtaining a right-to-buy council flat. With the discount, the total cost of the flat is £44,000. Basically I need a mortgage and need to borrow more than what the flat is worth... for A) Home Improvements and B) To pay off debts.

I am in a steady, reasonable paid job, good credit and would never miss a payment.

Ultimately I calculate that I need around £60,000. Does anyone know of any banks that offer mortgages with extra money? Any advice is much appreciated.

Cheers