When it comes to property, there is often talk about different loan types and the release of equity to be able to spend on other things such as home improvements. By understanding the type of mortgage, you are currently on and the flexibility of releasing equity will depend on your lender and individual circumstances.

We’ve put together a guide on releasing equity and what your options are to help you understand the complex market of property. Please see our equity release guide.

If you’re looking for expert advice about going through this process, a good start would be to browse the most frequently asked questions below which have been put together by our mortgage experts. Alternatively, if you can’t find an answer to your question, you can ask your own and our advisers will come back to you as soon as they can.

Converting Your House into Flats

You need to gain your lender’s consent before commencing any work...

I Am Over 50 Years Old Can I Get a Mortgage?

A whole section of the mortgage market called “later life...

How Can I Buy My Ex-Husband Out of Our Property?

It’s very common to remove one partner from a joint mortgage...

How Can I Get a Mortgage on a Freehold Flat?

While it is unlikely you will find a mortgage on a freehold flat,...

Can I Sell Part of My Land if I Have a Mortgage?

As the property is mortgaged, you can not sell part of the land...

Can I Remortgage a Right To Buy Property?

This is where you have the ability to buy a home from the...

Can You Release Equity from a Property with Shared Ownership?

Unfortunately you need to have 100% ownership before any lender...

Can I remortgage an unencumbered property?

We own our current home outright - no mortgage. We want to move...

Can I Raise Money on an Unencumbered Property

Hi, I own a property worth £1.6m (fully, no morgage on it). I...

Is there an Alternative to Bridging Finance?

Can I get bridging finance?

Can I buy others out of Inherited Property

I’ve inherited a property and I want to buy my sibling out of the...

Raising funds to consolidate debts

I own my home and want to raise funds to consolidate debts

Buying a more expensive property

We haven’t sold it yet but want to buy quickly – is this...

Is there still 100% mortgages?

Is there still a 100% mortgage?

Capital raising on parent's home

I would like to borrow some money secured on my parents house

Can I remortgage if I own my house outright?

We own our property outright. Valued at £145k. The rental...

Buy To Let Mortgages on Inherited Properties

We have just inherited a property with no outstanding mortgage on...

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