Equity Release
Unlock the opportunities available to you with our equity release services.
The value you have built in your property does not have to sit idle.
If your property has grown in value since you bought it, or you have paid down a meaningful portion of your loan, that difference is your equity. Equity release lets you draw on it without selling the asset you have worked to build.
Clients come to us wanting to fund a renovation, secure the deposit on an investment property, invest back into a business, or simply have a facility ready for when the right opportunity appears. Whatever the reason, our team will structure the release so it works alongside your existing lending rather than against it.
How Does Equity Release Work?
Equity is the difference between what your property is worth today and what you still owe on it. Releasing that equity usually means refinancing to a higher loan amount, or adding a separate facility secured against the same property, and taking the difference as available funds.
Your lender will want to understand what the funds are for, and will assess the request against the current valuation and your ability to service the larger balance. How much is available depends on the lender, the valuation, your income and the purpose of the funds, which is why the structure matters as much as the rate.
Putting Your Equity to Work
How you use released equity shapes how it should be set up. Funds earmarked for an investment purchase are often best held in a separate split so the interest stays cleanly identifiable. Funds for a renovation may suit a staged drawdown. Working capital for a business may point toward a different lender altogether.
We look at what you are trying to achieve first, then find the lender and the structure that supports it, rather than reshaping your plans to fit one bank’s policy.
Smart Equity Release Solutions
When partnering with The Brokerage, you are partnering with experienced finance professionals who are committed to finding you the best solution for releasing your equity.
Our brokers and analysts work through your existing lending, the likely valuation outcome and your servicing position before approaching a lender, so you know what is realistic from the outset. We then present the request in the way that lender wants to see it.
Where your current bank will not support the release, our network of lenders gives us somewhere else to take it. Where they will, we make sure the terms stack up before you commit.
Why Choose The Brokerage?
Releasing equity touches the lending you already have in place, so it pays to work with someone who can see the whole picture. Our team looks at how a release affects your overall position, not simply whether it can be approved.
We have arranged equity release for clients across both residential and commercial property, from a single-property release through to facilities drawn across a portfolio. That experience means we know which lenders will support your purpose and which will not, well before an application is lodged.
To find out how we can help, contact our team on 0451 973 662.
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Frequently Asked Questions
Equity release is the process of accessing the difference between your property’s current value and the balance still owing on it. In practice that usually means refinancing to a larger loan, or adding a separate facility secured against the same property, with the difference made available to you as funds.
That depends on your property’s valuation, how much you still owe, your ability to service the larger balance and your lender’s policy for the purpose of the funds. Lenders generally require you to retain a portion of equity in the property, and releasing beyond a certain threshold can trigger Lenders Mortgage Insurance. We work through the numbers with you before anything is lodged.
Common purposes include renovations, a deposit for an investment property, capital for a business, consolidating other debt, or simply holding funds ready for an opportunity. Lenders assess the stated purpose, and some purposes are supported more readily than others, so it is worth confirming the plan before applying.
Not always. If your current lender supports the release on competitive terms, staying put is often the simplest path. If they will not, or the pricing is no longer competitive, we can take the request to other lenders in our network.
Generally yes, because you are borrowing more against the same security. How much more depends on the amount released, the interest rate and the loan term. We model the repayment impact before you commit so there are no surprises later.
Timeframes vary with the lender, the valuation and how quickly documents come together. A straightforward release with your existing lender can move quickly, while a release that involves a full refinance to a new lender takes longer. We give you a realistic timeframe once we know which path suits your situation.
In most cases yes. The valuation sets the ceiling on what can be released, so it is one of the first things we look at. Depending on the lender and the amount involved, a desktop or automated valuation may be accepted instead of a full inspection.
Yes. Self-employed applicants are assessed differently, with lenders reviewing business financials and, in some cases, accepting alternative documentation. Our team works with self-employed borrowers regularly and knows which lenders take a practical view.
No. A reverse mortgage is a specific product aimed at older borrowers, where interest capitalises and repayments are typically deferred until the property is sold. Equity release as we use the term means accessing your equity through standard lending, with normal repayments, which is a different structure entirely.
Contact The Brokerage
Our team of finance experts are dedicated to helping you unlock the equity in your property and put it toward your next move. To find out how we can help with your equity release, contact our team on 0451 973 662.
