Bank recommendations? Refinancing a home loan while adding reform costs

Hello, can anyone recommend a bank for refinancing an existing home loan (currently with Prestia) that allows adding reform costs? There are a lot of choices and I would appreciate firsthand experiences.

I would be refinancing for less than the current market value of the mansion (Tokyo in 23 wards), but more than what I purchased the place for due to reform costs. It would be about 5x annual income. I also have PR and have been with my company for 5 years, so I assume it would be seen as relatively low risk. Thank you in advance!

by tokyoeiga

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