A top-up can do the trick.

Besides the associated loan fees and repayments, there are other costs to consider, including a possible change to your home loan insurance and a fee to get an up-to-date property valuation. Make sure you make your loan repayments on time as mortgage top-ups and other banking loans will be affected by your credit score. MY MONEY If you're looking to renovate your home, help a family member buy their first property or want to consolidate your loans, there might be an easy way to achieve that: top up your mortgage. [Extracted from the article]