Mortgage Top-Ups with Lifetime
Use your home’s equity to achieve your next goal
Whether it’s renovating your home, upgrading your car, helping family, or consolidating debt, our advisers will help you do it wisely with a structure that supports your long-term financial goals.
How It Works
A mortgage top-up lets you borrow against the value of your home without taking out a new loan. It can be a smart, flexible way to access funds at lower rates than most personal loans or credit cards.
We will review your current mortgage, assess how much equity you can use, and work with lenders to make sure your structure, repayments, and rates remain in balance with your lifestyle.
When a Top-Up Might Make Sense
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Renovating or improving your home
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Funding a major purchase or milestone
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Consolidating higher-interest debt
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Supporting a child’s education or first home
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Investing in property or other opportunities
Why Lifetime
We look at the full picture, not just your immediate need for funds.
Our advisers will guide you on when a top-up makes sense, how much to borrow responsibly, and how to structure it so your mortgage continues to work for you in the long term.
As your circumstances change, we will help you re-evaluate your lending strategy so it continues to support your financial certainty.
Talk to a Lifetime Adviser
We will help you explore your options and decide whether a mortgage top-up is the right move for you.
Meet the Mortgage Team
One Click Fix?
Refixing your mortgage in your bank’s app feels harmless. It’s quick, simple, and ticks an important job off your list. But that one tap can also close the door on better options. Without advice, you risk locking into a deal that doesn’t fit your situation, potentially paying more than you need to.
When it comes to one of your biggest financial commitments, convenience should never replace good advice.
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