Unlocking Equity to Fund Your Next Move (Without Selling)
Thinking of renovating, buying an investment, or funding a big lifestyle change — but don’t want to sell your home to make it happen? You may already have the funds you need in the form of property equity. In 2025, as interest rates stabilise and valuations remain strong, unlocking equity is becoming a powerful financial tool for homeowners.
What Is Equity?
Equity is the difference between what your home is worth and what you still owe on your mortgage. If your property has risen in value, or you’ve been steadily paying down your loan, you may be sitting on a valuable source of capital.
How Much Equity Can You Use?
Lenders typically allow you to borrow up to 80% of your home’s current value without needing lender’s mortgage insurance (LMI). For example, if your home is worth $1 million and you owe $600,000, you may be able to access up to $200,000 in usable equity.
Your borrowing capacity will also depend on your income, expenses and credit profile — not just the value of your property.
Popular Uses for Released Equity
- Renovating or extending your home
- Purchasing an investment property
- Funding children’s education or family support
- Starting or growing a business
- Creating a financial buffer or investing in shares
What’s the Process?
- Have your home valued by the lender
- Review your current loan structure with a broker
- Decide whether to top up your loan, refinance to a new lender, or establish a line of credit
We’ll help model the costs, repayments and benefits so you can make an informed decision.
When Equity Access Might Not Be Right
Equity isn’t free money — it increases your loan balance and monthly repayments. That’s why it’s important to:
- Avoid overcapitalising (especially with renovations)
- Have a plan for how you’ll repay the loan
- Ensure the investment makes long-term sense
Used wisely, equity can help you build wealth or achieve life goals without having to start over. Speak to The Brokerage to see how your property could fund your next move — while keeping your current lifestyle intact.