Building a 4200sqft house builders finish complete have a mortgage of €368,000 over 30 years the house has recently been valued by mortgage company at €860,000. We need another €30k for finishes, kitchen furniture and so on, what is the best option top up mortgage or get a shorter term house improvement loan. We can take the 12month intrest free payback options on furniture and stuff but realistacially need €30k to finish and dont want to leave the place half finished inside and out. One final push and we will be moved in.