Remortgage With Capital Raising

You can raise capital by remortgaging your current home and use that equity as a deposit for a second home or buy-to-let investment—subject to lender approval.

It’s a type of remortgage where you increase the loan size to release cash, often used for large expenses like renovations, school fees, or investment purchases.

Yes. Many lenders allow you to use released equity to pay off existing debts—this can simplify your finances, but it’s important to consider long-term costs.

Yes. Lenders typically ask for the purpose of the funds, especially for larger amounts or investment-related borrowing.

You can use the funds for home improvements, debt consolidation, business investment, or even to purchase another property.

Likely yes—since you're borrowing more, your monthly repayments may rise unless you extend the term or secure a lower rate.

Yes, but you may face early repayment charges (ERCs). It’s important to weigh the cost of exiting early against your financial goals.

Yes. Lenders will require a current property valuation to assess your equity and determine how much you can borrow.

Yes. The maximum depends on your income, equity, credit score, and how you intend to use the funds.

Rarely. Product transfers usually don’t allow capital raising—full remortgage applications are needed to release equity.