Getting a loan when all your money is tied up your property?

[Readabook1]

Best friend is ill and unable to work properly so only a small income.
She needs a new bathroom and a toilet in the downstairs cloakroom.
The roof needs repairs as well so c £10000. Shel lives for her home
The equity is around £320,000. She wants to take in lodgers but currently with
both toilets blocked and making weird noises this may not be a good plan!!

Is there are mortgage on the property? She may be able to restructure it to release some equity, especially for a plan that will lead to eventual better income. However, some mortgage providers won't allow their mortgagees to take in lodgers so she should verify that before spending money on this plan.

It will depend also on what you call a small income, she will need to meet the lenders criteria. Can't she just get the toilets unblocked rather than replace the bathroom?

Does she already have a mortgage? Could she speak to the mortgage company about extending this?

She might struggle to get new finance without much income

no the house will be paid off next month. I told her to get a o% credit card for the
toilets and then pay it off with the lodgers income.

With that much equity, could she downsize?