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I have a property which has in excess of £1.5m equity in it. And I can't get at any of it. And I need to, albeit only 10%/£150k. The standard routes are blocked as follows: Conventional "public" 2nd charge - blocked, main lender won't allow it Re-mortgage/increase of existing loan via current lender - blocked, can't go through (now, more strict) affordability stress test checks again Separate 3rd party secured personal loans - blocked, as above, main lender won't allow it and probably can't withdraw enough in any case* Which to my knowledge only leaves a private loan from a high-net-worth. This is achievable in principle however....I can't offer them a formal, land registry, "official" 2nd charge on the property, sitting behind the primary lender (because of bullet 1 above) on the Land Registry. This then narrows the "market" of HNWs right down to very close personal connections, as opposed to any and all Tom, Dick and Harrys who fancy making 8-12% interest rather than having it sit, inert, in some no-interest account. So: long story short, despite having all this equity I can't even get at the 10% of it I need for some crucial renovations. And trust me, I'd be bonkers to sell the house. Are there any creative souls out there with a solution? *I am 99% sure that this strategy is a no-go, but not quite 100%.