Remortgaging to Release Equity: What Are Your Options in 2025?

If you’ve built up equity in your home, you may be able to remortgage to access cash for renovations, debt consolidation, or other needs.

How Does Equity Release Through Remortgaging Work?

• You take out a new mortgage for more than you currently owe.
• The extra money is released as a lump sum to use as you wish.

How Much Equity Can You Release?

Lenders typically allow 75-90% Loan-to-Value (LTV).
For example:
If your home is worth £300,000 and your remaining mortgage is £100,000, you could remortgage to £200,000 and release £100,000 in equity.

Ways to Use Released Equity

✅ Home improvements – Increase property value.
✅ Debt consolidation – Pay off high-interest loans.
✅ Investment – Buy another property.
✅ Helping family – Support children’s home deposits.

💡 Tip: Compare remortgage deals carefully to avoid higher interest rates or long-term repayment issues.