Equity Loan Mortgage Guides & FAQs
Equity loans can be a useful way to boost your deposit or buy a home that might otherwise be out of reach, but they also add an extra layer of complexity to your mortgage. This section brings together our articles and FAQs focused on equity loans – including Help to Buy, remortgaging and repaying your loan.
Whether you are considering an equity loan for the first time, already have one in place or are planning your exit strategy, it is important to understand how the loan is structured, how interest is charged and how it will interact with your main mortgage over time.
What you will find in our equity loan content
- How equity loans work and the different types available in the UK
- The relationship between your equity loan, deposit and main mortgage
- How property value changes can affect what you owe back
- Options for remortgaging when an equity loan is in place
- Strategies for repaying or clearing the equity loan in future
- What to consider when selling a property with an equity loan attached
Every lender and scheme can have its own rules, and the best approach for you will depend on your income, future plans and attitude to risk. Use the guides in this tag to build your understanding, then consider speaking with a specialist mortgage adviser if you need personalised advice on managing or repaying your equity loan.
