Free conveyancing quote, typically 40% less than estate agent referrals.Get instant quotes →
Roger CooperReviewed by Roger Cooper, Full CeMAP Qualified Adviser · Last updated October 2026
Capital Raising

Looking for extra money? Your home could help

If you own a home, you may be sitting on significant equity you can release — at mortgage rates, which are far lower than personal loans or credit cards. Home improvements, debt consolidation, a deposit for a second property, business investment — we find the most cost-effective way to raise what you need.

£10,000+
Raise from
Mortgage rates
Rates from
Searched
90+ lenders
Free
Advice
Talk to an adviser: 0844 884 9748
Step 2 of 3Property Details

Tell us about the property

Provide the estimated value of the property and the deposit amount you have available.

£
£

Your data is encrypted and secure with Mortgage International

What can you use the money for?

There are very few restrictions on what you can use capital raised against your home for — as long as you can afford the repayments.

Home improvements

Extensions, loft conversions, new kitchens and bathrooms add value to your home. Funding them at mortgage rates is significantly cheaper than a personal loan.

Debt consolidation

Replace high-interest credit cards and loans with one lower monthly payment. We'll show you the full cost comparison — consolidation isn't always the right answer.

Buy a second property

Raise a deposit for a buy-to-let or holiday home by releasing equity from your main residence. We arrange both the capital raise and the BTL mortgage.

Business investment

Many business owners use residential equity to fund business growth, working capital, or a management buyout — often at a lower cost than business lending.

School or university fees

Plan ahead and raise a lump sum for private school or university costs at low mortgage rates, repaid over a term that suits your budget.

Family gifted deposit

Help a child or family member onto the property ladder by releasing equity to gift them a deposit for their first home.

Three ways to raise capital against your home

The right option depends on your existing mortgage, your credit profile, how much you want to raise, and how quickly you need it.

Remortgage to a larger amount

Best when your current deal is ending or your rate is high

Replace your existing mortgage with a new, larger one — keeping everything in one place. The capital you raise comes from the difference. Straightforward and competitive, but early repayment charges may apply if you're mid-deal.

Advantages

  • One single mortgage payment
  • Competitive rates
  • Clean and simple

Considerations

  • ERCs if mid-deal
  • Full remortgage process
  • May lose a very low existing rate

Second charge mortgage

Best when you have a low rate or ERCs on your existing mortgage

A separate loan secured on your property, sitting behind your existing mortgage. You keep your current mortgage completely intact. Rates are slightly higher than first charge, but far lower than unsecured loans.

Advantages

  • Keep your existing mortgage rate
  • Avoid early repayment charges
  • Faster than a full remortgage

Considerations

  • Slightly higher rate than first charge
  • Two mortgage payments
  • Requires first charge lender consent

Further advance from your existing lender

Best for smaller amounts when your lender is competitive

Ask your existing mortgage lender to lend you more. Simple process with no switching costs. However, your lender's rate may not be the most competitive, and they may decline if your circumstances have changed.

Advantages

  • Simple process
  • No legal costs for switching
  • Quick if lender agrees

Considerations

  • Limited to your current lender
  • Rate may not be the best available
  • Can be declined

We compare all three options for your exact situation — including the total cost over the full term, not just the monthly payment.

Capital raising FAQs

How much equity can I release from my home?
This depends on how much your property is worth, how much you owe on your mortgage, your income, and which product you use. Most lenders will lend up to 85–90% of your property's value combined. For example, if your home is worth £500,000 and you have a £200,000 mortgage, you could potentially raise up to £250,000–£300,000 depending on your income. We assess your exact position on the first call.
What is the cheapest way to raise capital against my home?
If your current mortgage deal is ending soon and you're on a high rate, remortgaging to a larger amount is usually cheapest — you benefit from today's competitive first charge rates on the whole balance. If you're locked in with early repayment charges or have a very low existing rate, a second charge keeps your existing deal intact. We model the total cost of each option for your specific circumstances.
Can I raise capital if I'm self-employed?
Yes. We work with lenders who understand how self-employed income works — whether you are a sole trader, a company director, or a contractor. We use your most recent 2 years SA302s and tax year overviews, or your company accounts and dividend income. We know which lenders are most flexible for self-employed capital raising.
Will capital raising affect my mortgage term?
It depends on the product. If you remortgage to a larger amount, you can choose to keep the same term or extend it to keep monthly payments manageable. A second charge is a separate loan with its own term, typically 5–25 years. We show you the effect on your monthly outgoings and the total cost under different term options so you can make an informed decision.
Can I raise capital if I have bad credit?
Yes, in many cases. Specialist lenders consider applications with defaults, CCJs, or missed payments. The rate will be higher to reflect the risk, but if you have substantial equity in your property you may still be able to raise capital. We work with specialist adverse credit lenders and will give you an honest assessment of what's achievable.
Is capital raising the right thing to do?
Raising capital against your home is a significant financial decision. You are increasing the debt secured on your property, which increases your monthly outgoings and the risk of repossession if you can't keep up payments. We always discuss your reasons, compare all options — including unsecured alternatives — and give you a clear picture of total cost before recommending anything.

Related guides

Remortgage Advice →

Compare remortgage deals from 90+ lenders. Switch and save or raise capital at the same time.

Second Charge Mortgages →

Raise capital without touching your existing mortgage. Keep your current rate and avoid ERCs.

Buy to Let Mortgages →

Using capital you've raised to buy an investment property? We arrange the BTL mortgage too.

Areas we cover:BexleyBromleyGreenwichCroydonBarking & DagenhamHaveringLewishamNewhamKentSurreyEssexBerkshireView all areas →

Find out how much you could raise

Free, no-obligation advice from a regulated broker. We compare all the options and show you the true cost before you decide anything.

Get a Free QuoteCall 0844 884 9748

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Think carefully before securing other debts against your home.

Mortgage International is a trading style of Mortgage Int Ltd, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

CallWhatsAppFree AIP