Home Equity Loans

What Is a Home Equity Loan?

A home equity loan lets you borrow money using the equity you've built in your home. You can use these funds to invest in property or shares, consolidate debt, renovate, or cover major lifestyle costs.

With property values having climbed across much of Australia in recent years, many homeowners now have untapped equity. Using that equity to grow your investment portfolio could be one of the smartest ways to generate passive income in today’s market.

Use Your Equity to Invest in Property
Use Your Equity to Invest in Shares
Use Your Equity to Renovate Your Home

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What Can I Use My Equity For?

You can use your equity for any worthwhile purpose, such as:

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Grow Your Investments

Use your equity to invest in property, purchase shares, or fund your business—unlocking new opportunities to build long-term wealth.

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Upgrade Your Lifestyle

Access funds to renovate your home, buy a new car or boat, or enjoy major life events like a wedding or holiday.

Simplify Your Finances

Consolidate high-interest debts like credit cards or personal loans into your home loan and reduce your monthly repayments.

Plan for Life’s Milestones

Use your equity to cover unexpected costs such as medical expenses or to support lifestyle changes like maternity leave.

Is An Equity Loan Suitable For Me?

We generally recommend using a home equity loan only if you have a clear plan for the funds and the discipline to manage repayments. Without a strategy, it’s easy to use the money on lifestyle spending without considering how it will be repaid.

In most cases, you can release equity up to 80% of your property’s value (less what you still owe) without incurring extra costs. Some lenders offer up to 90% LVR, but this usually comes with a one-off Lenders Mortgage Insurance (LMI) premium. Keep in mind that equity release usually involves refinancing your current loan as part of the process.

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Want to know how much equity you could cash out?

Use our quick calculator to estimate how much you could unlock from your home. Whether you're planning to invest, renovate, or consolidate debt, it’s a great way to see what’s possible.

Quick equity calculation
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The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.

Sam Potter is a Credit Representative (570029) of BLSSA Pty Ltd ACN
117 651 760 Australian Credit Licence 391237. Wealthbuilders Finance Pty Ltd (ABN: 46 686 102 394) is authorised under LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192

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