Hi there. I was looking for advice or if someone could steer me in the right direction. My home I bought when I was 19, I am now 32. I have nine years on my mortgage left approx. My house is a bit dated and really want to do home improvements. I have poor credit history and I would like to know how I can get money back from my home to do these improvements. My house has gone up in price by roughly 40,000. Any help would be appreciated. Thank you!