Property Strategies
Using Equity
Equity built in one property can become the springboard for the next. Used with a plan, it is one of the most common ways investors keep growing.
Turning growth into opportunity
As you pay down a loan and your property changes in value, you build equity — the gap between its worth and what you owe. Investors often tap the usable portion of that equity to fund the deposit and costs on a further purchase, avoiding the need to save from scratch.
This lets a portfolio grow without waiting years to accumulate a new deposit each time.
Doing it responsibly
Accessing equity increases your total borrowing, so it should be part of a considered plan rather than a reflex. Serviceability, buffers, and how the new lending is structured all matter, and there can be tax considerations worth discussing with a licensed accountant.
Getting guidance
We introduce you to independent, licensed brokers and accountants who help you use equity sensibly. We do not provide credit or tax advice ourselves.
Related reading
- Using equity to invest — a step-by-step guide to putting equity to work.
- Using equity — the lending side of accessing your usable equity.
Frequently asked questions
How much equity can I actually use?
Usable equity depends on a lender's valuation and lending rules. A broker can give you a clear figure for your situation.
Is using equity to invest risky?
It increases borrowing, so it should be done with a plan, adequate buffers, and professional guidance to manage the risk.