Shared ownership - home improvements

SHAREDOWNERSHIP

Hello 

Please move my post if I'm in the wrong place. 

Does anybody know how we as shared ownership owners can release the equity in our share to do home improvements? Our lender is saying that we can't do this, despite being in positive equity (house has significantly increased in value) because they don't allow additional loans for shared ownership customers.

We've lived in our home for a long time and we are wanting to change the bathroom suite, the kitchen and adding a loft conversion so we have another bedroom. Obviously our housing association we pay rent to won't lift a finger as we are solely responsible for our home. But how can we keep improve or even maintain our home if we can't have an additional loan to our mortgage? I'd understand if we were in negative equity but we're not, the polar opposite quite frankly.

We're at a complete loss what to do and financing a new kitchen etc isn't what we want to do. If anyone can help it would be very much appreciated. Thank you!