Home equity
Use the equity in your home to invest, renovate, or consolidate debt. Your Sydney mortgage broker, structuring it the right way across 35+ lenders. $0 cost.
Your equity is the gap between what your home is worth and what you owe. It grows as you pay down the loan and prices rise, and you can put it to work without saving again. We work out what you can use, compare 35+ lenders, and structure the release at $0 cost to you.
Usable equity is generally 80% of your value minus your loan. It can fund the deposit on an investment property, a renovation, or your next home. Try the home equity calculator for a quick figure.
Usable equity is roughly 80% of your property value minus your loan. The rule of four then gives a rough investment budget it could support. Here is how that looks at different price points.
| Home value | You owe | Usable equity | Investment budget |
|---|---|---|---|
| $800,000 | $350,000 | $290,000 | ~$1,160,000 |
| $1,000,000 | $400,000 | $400,000 | ~$1,600,000 |
| $1,200,000 | $500,000 | $460,000 | ~$1,840,000 |
| $1,500,000 | $700,000 | $500,000 | ~$2,000,000 |
Estimates only. Usable equity is 80% of your value minus your loan; the rule of four multiplies it by about four to allow a 20% deposit plus roughly 5% costs. What you can actually borrow also depends on your income and serviceability, and lenders test you above the actual rate. Use our home equity calculator or book a free consult for your real numbers.
Up to 80% of your value minus your loan. The lower your LVR after the release, the sharper the rate. Lenders also check you can service the larger debt, testing you above the actual rate.
Lenders want to know what the money is for, and a clear purpose gets a clear answer. Whether it is a renovation, an investment, or your next home, we match you with a lender that backs it and present your file the way they want to see it.
Your equity does the heavy lifting, so there is usually no need to save fresh cash. We work out your exact position and the price range it supports.
The tax side of investing changed, and it changes how people use equity. The plain-English version, and your accountant can confirm your position.
Costs above the rent, creating a loss that has reduced tax on your other income. From 1 July 2027 that offset ends for established homes bought after 12 May 2026, though losses can carry forward. New builds keep the benefit, and earlier purchases are grandfathered.
Rent roughly covers the costs, so the property supports itself without leaning on a tax refund. It is getting more attention now.
Rent more than covers the costs. The surplus is taxed, but it also lifts your borrowing power for the next purchase.
The conversation is shifting toward yield and new builds. We set your loan up cleanly and work in with your accountant.
The structure is where the value is. These are the things we get right so your release helps rather than holds you back.
Real answers to the questions homeowners ask us about releasing and using their equity.
We work out your usable equity, structure the release cleanly, compare 35+ lenders, and handle it through to settlement. $0 cost to you.
MFAA member. 10+ years lending experience.
Explore the guides and services that pair with an equity release.
Equity release and using equity to invest for homeowners across 220+ Sydney suburbs and Australia wide. Meet our team. Service regions: Sydney CBD, Sydney Central, Eastern Suburbs, Northern Beaches, North Shore, Inner West, Sutherland Shire, Hills District, St George, Canterbury-Bankstown, Western Sydney, Penrith.
