Raising money against your home
Need funds for an extension, renovation or another large expense? We'll look at the options for borrowing more against your home.
Borrowing more, carefully
You can often borrow more with your current lender, remortgage to a new one, or take a second-charge loan. Each has different costs, and we'll explain them clearly before you decide.
How we help
- Further advance vs remortgage vs second charge compared
- Clear view of the total cost
- Advice on whether it's the right move for you
Questions people ask
Can I consolidate debts into my mortgage?
It's possible, but it can mean paying more interest overall because you repay over a longer term. We'll talk you through it honestly.
Is a further advance or a remortgage better?
A further advance borrows more from your current lender, while a remortgage moves your whole mortgage to a new lender. Which is better depends on your current rate, any early repayment charges and what each lender offers, so we compare both.
What can I use the money for?
Home improvements are the most common reason, but lenders may also consider things like buying out a partner or helping a family member. You'll need to show you can afford the higher payments.