Using equity to invest
Unlock the equity in your home to invest, renovate, or consolidate debt. Our expert mortgage brokers help you access home equity at competitive rates. Whether you need mortgage finance for a renovation or are looking to refinance your home loan arrangements, we connect you with the best home loan provider for your needs.
With access to 35+ lenders specialising in home equity release, we help you unlock your property's value for your goals while maintaining optimal financial flexibility and wealth-building strategies.
See how much home equity you can access
Get your free home equity loan assessment from Buyvest mortgage brokers. Access home equity to unlock your property's value for renovations, investments, or debt consolidation.
Free Equity AssessmentWhy use Buyvest mortgage brokers to access your home equity?
Access to 35+ lenders
We work with banks, credit unions, and non-bank lenders. Different lenders have different criteria-we match you with the right one for your equity needs.
No cost to you
Lenders pay our commission directly. You pay the same rate whether you go to the bank directly or through us-but with expert guidance included.
Time & money savings
We navigate complex paperwork, coordinate valuations, and manage lender communications. We often save clients thousands in rates and fees.
Expert market knowledge
We understand Sydney's property market, local suburb trends, and investment potential. We guide you toward value and growth opportunities.
Fixed & variable options
Compare and choose between fixed, variable, or split loans tailored to your situation. We explain pros and cons of each option to help you decide.
Ongoing support
We don't disappear after settlement. We're available to discuss refinancing, rate changes, loan adjustments, and future property opportunities.
Why access your home equity with Buyvest mortgage brokers?
Fund home renovations
Add value to your home with renovation projects. Borrow at low mortgage rates instead of expensive personal loans. Save thousands in interest on larger projects.
Investment opportunities
Use equity as deposit for investment property, shares, or business ventures. Build wealth through strategic investing while maintaining offset account flexibility.
Consolidate debt
Roll credit card debt (18%) into home loan (5-6%). Simplify finances and save thousands in interest annually with a single manageable payment.
Lower interest rates
Home equity loans have significantly lower rates than personal or credit card debt. Secured against your home means better terms and savings for you.
Major life expenses
Fund education, medical procedures, weddings, travel, or other significant expenses at better rates than alternatives.
Emergency funding
Access funds for unexpected expenses, medical emergencies, or major life changes at affordable mortgage rates with flexible repayment terms.
How home equity loans work with Buyvest mortgage brokers
Home equity is the difference between your property's value and what you owe on your mortgage. Here's how to calculate your available equity:
Example: Your Home is Worth $600,000
Mortgage Owed: $240,000
Still owe to bank
Your Equity: $360,000
What you own outright
You can borrow against your equity to access funds. Lenders typically allow you to borrow up to 80% of your property's value, so you could access approximately $240,000 in additional funds by refinancing your mortgage or taking out a separate home equity loan.
Types of home equity loans and solutions from Buyvest mortgage brokers
Our mortgage brokers offer various home loan types for accessing equity. Choose the right solution for your needs:
Cash refinance
Refinance your mortgage for a higher amount and receive cash. Best for one-time large expenses or significant projects.
Split loan structure
Keep original loan + add new equity loan at different rates. Maintain existing terms while accessing funds flexibility.
Line of credit
Access equity as needed, like a credit card. Perfect for ongoing needs, multiple projects, or investment opportunities.
Top-up loan
Add to existing mortgage quickly. Fastest way to access equity for immediate needs and time-sensitive opportunities.
Investment property deposit
Use equity as deposit for investment home. Build property portfolio with existing equity without selling current property.
Debt consolidation loan
Combine multiple debts into single home loan. Save on interest and simplify repayments with one manageable payment.
Smart home equity loan strategy from Buyvest mortgage brokers
Keep cash reserves, access equity strategically
Rather than depleting savings for purchases or investments, savvy homeowners maintain cash reserves in offset accounts while strategically accessing home equity. This approach makes financial sense because:
- Offset Account Benefits: Reduce mortgage interest daily without sacrificing access to funds
- Emergency Buffer: Keep 6-12 months of living expenses accessible in offset account
- Opportunity Fund: Cash reserves available for unexpected investment opportunities
- Psychological Security: Maintain peace of mind with liquid savings while accessing equity
- Flexibility: Redraw against equity as needed without touching personal savings
Access home equity for investment property with Buyvest mortgage brokers
Maximize investment returns with strategic equity access
Access your home equity to purchase investment property while maintaining optimal tax benefits and wealth-building strategies:
- Purchase Investment Property: Use home equity as deposit without selling your primary residence
- Maximize Negative Gearing: Investment loan interest is tax-deductible, reducing your taxable income
- Wealth Multiplication: Generate rental income while building equity in second property
- Diversified Portfolio: Spread investment across multiple properties funded by home equity
- Keep Capital Intact: Maintain offset account funds while accessing equity for investment
Example Strategy: Own a $600,000 home with $360,000 equity. Access $200,000 equity to purchase $500,000 investment property (as 40% deposit). Keep $160,000 equity buffer + maintain $80,000 offset account. Investment loan interest becomes tax deductible, effectively lowering your taxable income by thousands annually.
Use our home equity calculators
Understand your borrowing capacity, equity strategy, and repayment options with our free tools
How much equity can you access?
The amount of equity you can access depends on your property value, existing mortgage, and current LVR (Loan to Value Ratio). Lenders typically allow borrowing up to 80% LVR. Here's what to expect:
20-30% LVR
Your Situation: Significant equity built up
Equity Available: Substantial equity to access
Next Step: Can borrow up to 80% LVR easily
30-50% LVR
Your Situation: Good equity position
Equity Available: Good amount of equity to access
Next Step: Can access meaningful equity amounts
50-80% LVR
Your Situation: Building equity
Equity Available: Limited equity to access
Next Step: Can access some equity, approaching 80% limit
80%+ LVR
Your Situation: Recently purchased with less than 20% deposit
Equity Available: Very limited equity to access
Next Step: Build equity through payments or property appreciation
What home equity borrowers need to know
Advantages
- Significantly lower interest rates than personal loans or credit cards
- Access large amounts based on property value
- Flexible repayment options and terms available
- Can be used for multiple purposes
- Fixed or variable rate options to choose from
- Potential tax benefits for investment purposes
Important considerations
- Your home is used as security for the loan
- Defaulting puts your property at risk
- Additional costs like valuation and legal fees
- Must have sufficient home equity built up
- Interest rates subject to market changes
- Responsible lending checks apply
How to access home equity: step-by-step guide
We review your current loan, compare to market options, and calculate potential savings with Buyvest mortgage brokers.
We present 3-5 competitive options tailored to your situation and goals.
You choose your preferred option, and we submit the application to your new lender or your current lender.
Your new lender approves your equity loan (most customers get approved within 3-5 business days).
Documents needed for your home equity loan application
Have these ready to streamline your approval process and get approved faster when accessing home equity with Buyvest mortgage brokers.
Personal identification
Australian passport or driver's license (with photo, full name, DOB, current address), plus citizenship certificate or birth certificate. We keep everything secure and confidential.
Proof of income
Two recent payslips from current employer, or 2 years' tax returns if self-employed. For contract/casual work, employment letters plus Pay As You Go (PAYG) summary.
Financial statements
Latest bank statements (3 months), savings account statements, and internet banking history showing your current financial position.
Existing debt information
Statements for all existing home loans, car loans, credit cards, and personal loans. We need to calculate your full debt servicing capacity.
Rates & insurance documents
Council rates notice and building insurance documents to verify your property ownership and insurance coverage.
ABN & business documents (self-employed)
ABN registration, 2 years' tax returns, BAS statements, and recent invoices or business statements showing your practice income.
What our home equity borrowers say
"I had no idea I could access so much equity for my renovation. The team found me a rate that saved me thousands compared to a personal loan. My new kitchen is amazing and the payments are manageable!"
"Used my home equity to invest in a second property. The brokers helped me structure the loans perfectly for tax benefits. Best financial decision I've made!"
"Consolidated my credit card debt into a home equity loan. Went from paying 19% interest to 5.5%. I'm saving over $150 per month. Highly recommend!"
Home equity loans across Sydney with Buyvest mortgage brokers
Buyvest mortgage brokers help homeowners across Sydney, regional NSW, and Australia access home equity and mortgage finance solutions tailored to their goals.
Ryde area suburbs
Greater Sydney regions
Regional NSW
Home equity loans Australia wide from Buyvest mortgage brokers
Buyvest mortgage brokers assist homeowners across Australia to access home equity and maximize their property value. Contact Buyvest mortgage brokers to discuss how we can help you access your equity and save you money.
See how much home equity you can access
Get your free home equity loan assessment from Buyvest mortgage brokers. Access home equity to unlock your property's value for renovations, investments, or debt consolidation.
Free Equity Assessment