Unlocking capital from real estate


  • My family has a chalet in the mountains and I go there since I’m a kid. The rest of the family is also using it.
  • A few years ago, I inherited the chalet.
  • The only thing that changed is that I now have to pay for taxes and maintenance.
  • Selling or renting out is not an option.
  • There is no mortgage on the house.

The house causes costs, which increases my FI number, and has a lot of capital locked.


  • Do you know if it is possible to get a mortgage for real estate you already own?
  • Where could I find further information?

As it’s a special case, I couldn’t find anything so far.

Thanks in advance!

Yes you can, up to 50% of its value (estimated by the bank you contact).

Thanks. I will give it a try in future.

I would totally do it!

You can get 10-15 year mortgages with below 1% interest rate and invest it with much higher expected returns.

1 Like
By reading and partipating to this forum, you confirm you have read and agree with the disclaimer presented on http://www.mustachianpost.com/
En lisant et participant à ce forum, vous confirmez avoir lu et être d'accord avec l'avis de dégagement de responsabilité présenté sur http://www.mustachianpost.com/fr/