1. First you could contact a banker or a mortgage broker such as myself.

2. The person you contacted will need to value your house, you can get up to 90% of the valuation as your new loan. That figure minus your current loan outstanding would be your cash-out portion

3. If you are happy with that you could meet up with the person to draw up applications for a few banks (if you go to a banker you would need to meet a few other bankers as well)

4. Then sit back and wait until the loan is approved.

5. If you are happy with the terms, sign the letter offer and let the lawyer do their things.

I can be contacted from my sig below