Hi, well you ask your lender for say, 100K, take 70 immediately and another 30 in 6 months when you want to build an extension etc, or if you are using your current "equity" to fund another financial endevour you may want stage releases e.g. for an investment property or holiday home, EBS for example will do this, Halifax will not, so even if we digress to an example of a new build mortgage with Halifax they will not stage release, its 100% from day one