How we helped a client access equity to complete Structural renovations

An existing client wanted to access the equity in their existing property to help with landscaping and new pool. They also wanted to complete structural renovations on their home.

Challenges Faced

We needed to use the Client’s bonus income to qualify for the loan. This required research and workshopping with the current lender to ensure it would be supported.

We also needed to order a tentative on completion valuation (TOC) using the renovation contract to increase the property value.


The valuation result was good, and we were able to confirm the bonus income would be acceptable prior to submitting the application. The clients have now completed the renovations on their home, adding an entertainment area, a new bedroom and swimming pool.

At the same time, we were able to negotiate a lower overall rate on the loan. The client is ecstatic with the result.

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