We have a tracker mortgage of €156,000 at 1.3% and have 21 years left. We need to renovate/put on an extension/new windows and were looking to borrow 65,000. Roughly speaking our house would probably be worth 180,000. I rang Boi about equity release and they said it wasnt possible unless our house would be worth 280,000 after the work which will not happen. Then looked into boi home improvement loan but max term is 7 years and repayments over this short term would be way too expensive. Any ideas? Thanks in advance.