Hi there, What is the best route for borrowing 25K for a home improvement loan? There is 80K left on our mortgage (and 11 years). Our original mortgage has 20k which was never drawn down- we recently went to Ulster bank about same, but as I am currently out of work we were unable to access this. My partner's income is modest enough. I plan to do the work myself as I now have the time, so we just need the funding. The original mortgage was for 120k (restoration job), but the house should be worth around 250K, I would think. What would be the best approach to access funding? It seems ludicrous to get a standard loan (even with KBC at 6.3% APR) when we have this asset. We have savings of about 12k but are reluctant to use this. Any ideas?