02/09/2026
If your home's gone up in value over the last few years and you've been chipping away at the mortgage, there's a good chance you've built up more equity than you realise.
That equity isn't just sitting there for show. For a lot of homeowners, it's the thing that quietly turns "we should really do something with that kitchen" into actually getting it done.
The route most folk go down is borrowing a bit more against the mortgage. Your monthly payment goes up, but you've got the money for the job in your account and one payment to keep an eye on instead of three or four.
It's not the only way to fund a project. Savings, an unsecured loan, or paying as you go all have their place depending on the size of the job and what's sitting in your account.
But if the job's a big one (new kitchen, extension, loft conversion type money) borrowing against your home is often the route that makes the maths work.
If you're thinking about it, the best place to start is knowing how much equity you actually have and what it could realistically unlock. Drop me a message and we'll have a look at the numbers.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
