Our Expertise
Capital Raising
Capital raising means borrowing additional funds against the value of a property you already own, for a purpose the lender accepts.
Overview
What is capital raising?
Capital raising is the process of increasing your borrowing against a property in order to release funds. It can be arranged through a remortgage, a further advance with your existing lender, or a second charge alongside your current mortgage.
Common purposes include home improvements, purchasing another property, or restructuring existing borrowing. Lenders each maintain a list of acceptable purposes, and will want to understand what the money is for.
Who might this be suitable for?
- Homeowners with equity built up in their property
- Clients funding an extension or renovation
- Owners raising a deposit for a further property
- Clients considering restructuring existing borrowing
How Help to Lend can help
- 01We compare remortgage, further advance and second charge routes side by side.
- 02We check whether the purpose is acceptable to the lender before an application is made.
- 03We show the effect on monthly payments and on the total amount repayable over the term.
- 04We consider whether protection should be adjusted to reflect the increased borrowing.
Assessment
What may lenders and providers consider?
Loan to value
The amount you can raise depends on your property value and existing borrowing.
Purpose of funds
Lenders accept some purposes and decline others. This is confirmed at application.
Affordability
Increased borrowing must remain affordable under the lender's assessment.
Term impact
Spreading additional borrowing over a long term can increase the total interest paid.
Criteria vary between providers and can change at any time. Nothing here confirms that a particular lender or insurer will accept an application.
The Process
How we work through it together.
- 01
Understand
We start with a conversation about your circumstances, plans and objectives.
- 02
Assess
We review your position, affordability and mortgage requirements in detail.
- 03
Recommend
We identify suitable mortgage and protection options and explain the reasoning.
- 04
Apply
We prepare and manage the application, liaising with the lender on your behalf.
- 05
Progress
We keep the case moving and keep you informed at every stage.
- 06
Complete
We support you through to completion and remain available afterwards.
FAQs
Frequently asked questions
Related
Related expertise
Remortgaging
Review your existing deal and consider the options available to you.
Second Charge
Additional secured borrowing alongside your existing mortgage.
Debt Consolidation
Combining borrowing into one payment, with the risks explained.
Self Build
Staged funding for building or substantially renovating a home.
Speak to an adviser about your circumstances.
We'll explain the options clearly and tell you what to prepare, with no obligation.
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