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.
Written by Matt Edwards · Last updated May 2026
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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.
