Finance Hub
Using Equity
The equity you have built in one property can help fund your next. We introduce you to independent, licensed brokers who show you how to access it responsibly.
What equity means
Equity is the difference between what your property is worth and what you still owe on it. As you pay down your loan and your property changes in value, that gap can grow. Usable equity is the portion a lender will actually let you borrow against.
Putting equity to work
Many investors use equity as the deposit for a further purchase, avoiding the need to save from scratch. Others use it to fund renovations that add value. Either way, it effectively increases your borrowing, so it should be approached with a clear plan.
Structuring an equity release cleanly — often as a separate loan split — can keep your finances tidy and may have tax implications worth discussing with a licensed accountant.
Our role
We do not advise on borrowing or tax. We introduce you to independent, licensed brokers and accountants who help you use equity in a way that suits your goals.
Related reading
- Using equity to invest — a step-by-step guide to funding your next purchase with equity.
- Support for property investors — how we support investors building on an existing property.
Frequently asked questions
How do I find out how much equity I can use?
A lender's valuation and their lending rules determine usable equity. A broker can help you get a clear figure.
Is using equity risky?
Accessing equity increases your borrowing, so it should be done with a plan and, ideally, professional guidance. We can introduce you to the right specialists.