Equity release
Borrow against the value you've built in your home for renovations, investing or other big plans.
Equity is the difference between what your property is worth and what you owe. Lenders will usually let you borrow against part of it, as long as you can afford the higher repayments.
Ram starts with a realistic valuation estimate, works out usable equity and helps you decide how to structure the extra borrowing.
Who this suits
- Renovators
- Owners buying an investment property
- Families helping with a child's first home
What Ram helps with
- Estimating usable equity
- Separate loan splits for different purposes
- Choosing whether to stay with your lender or switch
Documents to have ready
You don't need everything for the first chat, but having these handy speeds things up.
- Current loan statements
- Income documents
- Renovation quotes if relevant
Questions about equity release
Many lenders allow borrowing up to 80% of the property value without lenders mortgage insurance, minus what you already owe. Your income still has to support the total repayments.
Guides on equity release
Talk it through with Ram
A free, no-obligation conversation about where you are now and what you're planning. No credit check, no pressure.