Remortgage to release equity

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Can you remortgage to release equity?

Yes, you can. Equity is:

  • The amount that you’ve paid off your mortgage

  • The sum of your deposit

  • Any increase in the value of your home since you bought it

This sum can be released by remortgaging. For example, if your home is worth £250,000 today and you have £170,000 outstanding on your mortgage. That means that you’ve got £80,000 equity available.

Homeowners often remortgage to reduce their monthly mortgage costs. If you remortgage at a higher loan-to-value (LTV) than the equity in your home, you can release this equity as cash.

But it’s important to carefully consider your options, and the fact that higher LTV mortgages will typically come with higher interest rates than those at a lower LTV, and remortgaging to release equity will increase this.

For this reason, speak to a specialist mortgage broker who can help you to release equity from your home, and make sure your monthly repayments remain affordable.

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What is remortgaging?

How does remortgaging to release equity work?

When should you remortgage to release equity?

How do I remortgage to release equity?

How will lenders assess me if I want to remortgage to release capital?

How soon after taking out a mortgage can I remortgage to release equity?

How much equity do I need to remortgage?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

Read our story

We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.


Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.


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Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.


Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.

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Ben Patten

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Luke Grosse

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Sarah Earnshaw

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Yogesh Parekh

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Jemma Talliss

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Paul Clark

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Lynn Cutts

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Steve Hatton

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Jeanette Clark

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Carrie Knight

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Jonathan Hunting

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