Top-ups & debt consolidation
Use the equity you've already built.
Renovation, deposit on a second property, paying out a high-interest loan — your mortgage can do more than sit there.
Talk to us
Common uses
Three things people top up for.
Renovate
New kitchen, bathroom, extension, deck. Banks like renovations because they tend to add value to the property.
Deposit on a second property
Use equity in your home as the deposit on a rental or holiday home. Most common path into a portfolio.
Tidy up debt
Roll credit cards or personal loans into your mortgage. The interest saving is real — the discipline afterwards matters more.
FAQs
Top-up questions.
Got equity sitting there?
Let's see what it could do for you.
A 15-minute conversation tells you what's possible. We'll be honest about whether it's a good idea right now.
