I would imagine breaking a loan after only 18 or so months would incur huge exit fees as well which would be far more than the $10,000 you want to extend the loan by....you need to get a broker to look at your contract carefully for you or the $10,000 you want could end up being an extra $25,000 or more once you include exit fees, early termination fees, re estblishment fees (as it would be a new mortgage), etc etc. I agree a supplementary loan or a personal may end up being a better course of action for such a small amount of money.