How can I raise £20,000?

27cool

You might be mortgage free, but you will certainly not be debt free if you have to borrow to refurbish the property. It seems to me that it would be sensible to get a small mortgage to cover what you want to do.
Presumably, that's what a mortgage is. A loan against the collateral of a property.
If there is a minimum amount for a mortgage you could always pay it back as early as they will allow.

Shakin_Steve

A mortgage broker would be my first port of call, at least you'll then know whether that avenue is open to you or not.

Stellaah

Thanks Shakin Steve,

Yes, that does make sense. Thanks for taking the time to help.

Thanks 27cool too.

MoneySaver123

Forgive me but could you not just take out a secured loan against the property? Find one that's flexible and allows early repayment without fees...

Stellaah

Thanks Moneysaver 123, the problem with the loan is having new self-employed businesses without the required three years of accounts. It looks like the credit card option is the best bet and balance transferring to a 0% card. Thanks for posting.