1. First you would choose the bank that you want to apply to. I can help with that. Usually my clients wouldnt apply to more than 2 or 3 banks at the same time though, since each application will be recorded in the CCRIS and in your future loan applications all the banks would be able to see this "application  record" and you could be deemed as non-serious customer. Word of advice: apply to just a few selected banks for this purpose. Like I said, I can help with that.

2. The house valuation will be done by the mortgage agents. I can help with that. Just tell me the full address, house type, renovations done and for how much, and what is the expected value.

3. Cost would be the new Loan agreement fees, valuation fees, and loan agreement stamp duty fees. All this usually account to 2% of the loan amount. However, most banks would allow you to add these fees into the the loan, meaning your loan would be 90% + 2~% = 92~%

4. The whole process would take between 2 to 4 months depending on your luck, and the speed of the lawyers. I can help with getting the better ones. The cash-out will be in the form of a check or a bank-in to your account.

5. It depends on the loan amount, the higher it is the lower the rates. I can help with that since I am empanneled with multiple banks.