Home Loan Top-Up — Access Funds Without Starting Over
Need extra funds but don’t want the hassle of a new loan? A home loan top up lets you borrow more against your existing mortgage — often with lower interest rates and simpler approvals.
Why Consider a Home Loan Top Up?
Access Extra Funds Easily
A home loan top up allows you to borrow for renovations, business costs, investments, education, or medical bills using the equity you’ve already built.
Keep Your Existing Loan Structure
No need to start from scratch or change lenders — we help you stay with your current loan while topping up.
Lower Interest Rates Than Personal Loans
Compared to unsecured borrowing, a home loan top up often offers better rates and longer repayment terms.
Unlock Your Equity Without Selling
Tap into your property value without refinancing the full loan or selling your home.
Our Home Loan Top-Up Process
1
Review Your Current Loan
We start by analysing your current mortgage and calculating available equity.
2
Confirm Eligibility
We assess your borrowing capacity and check your lender’s top-up policies.
3
Present a Custom Top-Up Strategy
Our team structures your home loan top up to reduce future interest and align with your financial goals.
4
Submit and Finalise
We handle the paperwork, approval process, and lender coordination on your behalf.
Why Choose
Your Corner 360?
We specialise in home loan top up solutions across a wide lender network
Tailored advice based on your financial goals and current loan structure
Transparent guidance on eligibility, fees, and repayment options
Fast, professional service that keeps you in control
When Is a Home Loan Top Up Right for You?
You've built equity and want to use it wisely
You're planning to upgrade or renovate your home
You want to consolidate debts under one manageable repayment
You're looking for a more affordable borrowing option than a personal loan
You prefer to stay with your current loan but need additional funds
Common Questions About
Home Loan Top-Ups
Do I need to refinance to get a top-up?
No. A top-up typically works with your existing mortgage. If refinancing would be more beneficial, we’ll show you the comparison.
How much can I top up?
It depends on your available equity, income, and your lender’s policy. We can estimate this during a free consultation.
Will this affect my interest rate or loan term?
It might. We’ll structure your home loan top up in a way that fits your cash flow and future plans.
Start Your Home Loan Top-Up Today
We’ll help you access the funds you need without disrupting your current home loan. Simple, fast, and fully aligned with your goals.