If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. You can use our coronavirus support tool to find the right solution for your needs and confirm what you would like to do in a few simple steps.

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    Home equity

    Discover everything you need to know about equity in your home – including how to build equity, what negative equity is and ways you might avoid it.

    What is equity?

    Equity is the amount of a property that you own. As you pay off your mortgage, you’ll increase your equity in your home. Equity can also change due to rising and falling house prices. 

    What is home equity?

    Home equity is the value of your home that you “own” – you build equity by paying off your mortgage and with your mortgage deposit. Find out more about how it works here.

    Home equity

    What is negative equity?

    Negative equity is when the amount you still owe on your mortgage is more than the market value of your home. Learn about negative equity and some ways you might avoid it.

    Negative equity

    Mortgage calculator

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    Important legal information

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