Mortgage Broker In Canberra | Home Loan Experts In Canberra

Equity is the difference between your property’s value and what you owe on your loan. And if your Loan to Value Ratio (LVR) is under 80%, you may be able to access that equity—often without increasing your repayments, changing lenders, or triggering Lender’s Mortgage Insurance (LMI).

You’re on one of the most competitive rates in the market — anything under 5.8% is a strong position in today’s environment. But that great rate could mean more than just monthly savings. You could be sitting on a powerful financial tool: home equity.

You might be wondering: is now really the right time to act? The truth is, sitting still in today’s market can sometimes cost more than making a move. Whether it’s uncertainty about rates, lifestyle changes on the horizon, or just wanting to do something smart with what you’ve built — exploring your equity options can give you clarity and confidence for the road ahead.

Below, we break down three of the most common (and powerful) ways to use your equity. Whether you’re ready to invest, improve your current home, or just want to be prepared for your next step, one of these could help you move forward with more certainty.

Why invest in property now?

You don’t need to be an experienced investor to start building wealth through property. In fact, if you’ve built up equity in your home, you might be closer to your first investment than you think.

Right now, many regional and outer-metro areas are delivering strong early growth, ultra-low vacancy rates, and more affordable entry points compared to capital cities. These markets are attracting smart buyers who want to get in before prices climb further—and before competition tightens.

Not every property will be positively geared from day one. But with the right strategy, you can still create serious upside. Between tax-deductible interest, depreciation benefits, and capital growth, many of our clients are seeing meaningful gains within their first 12–18 months—even with modest rental income.

Use your equity instead of cash
One of the biggest misconceptions we hear? “We’d love to invest… but we don’t have the savings.” The truth is, you may not need them.

Many lenders allow you to use your home equity as your 20% deposit. That means:

You can often avoid Lenders Mortgage Insurance (LMI)
Keep your savings intact as a buffer
Secure an investment loan with tax-deductible interest

With the right structure, you could step into the market with little or no out-of-pocket contribution—without affecting your current loan or increasing your repayments.

Thinking about your first investment? Your equity might already have you halfway there. Let’s explore the numbers and see what’s possible.

Why improving your home could be your smartest investment yet?

You don’t need to sacrifice your savings—or sell your home—to create the space you actually want to live in. If you’ve built up equity, you might be able to fund that long-overdue renovation without changing lenders, increasing your repayments, or going through the hassle of a personal loan.

Many homeowners are choosing to stay and upgrade instead of jumping into a new purchase. With construction costs stabilising and trades becoming more available again, it’s a smart time to finally tackle the upgrades you’ve been thinking about—whether that’s a new kitchen, a bigger living space, or an outdoor area that actually works for your lifestyle.

And unlike some lifestyle spending, a well-planned renovation can pay you back. We’ve seen clients boost their home’s value by six figures with upgrades that added comfort and strong resale appeal.

Renovate now, repay later—with equity

Think you need $100K in cash to get started? Maybe not.

If your Loan to Value Ratio (LVR) is under 80%, you could access your equity to cover renovation costs—without refinancing to a higher rate or touching your savings. That means:

No personal loan headaches
You keep your cash buffer intact
Your home’s value improves while your repayments stay manageable

With the right setup, your equity could be the key to finally turning your current house into your forever home—on your terms.

Are you thinking about improving your home instead of moving? Let’s run the numbers and see what your equity could unlock.

Why some of the smartest moves start with standing still?

You don’t have to rush into your next investment or renovation to make the most of your equity. In fact, using your equity to create financial flexibility—before you need it—can be one of the smartest plays.

Many of our clients choose to access a portion of their equity now and hold it in an offset or split loan, ready to act when the right opportunity comes up. Whether it’s a new property, a business idea, or just the reassurance of a safety net, having funds available can be the difference between waiting and winning.

By setting up the right structure in advance, you can avoid needing to reapply for finance later, dodge the impact of tighter lending conditions, and stay in control of your timeline—not the bank’s.

Use equity to prepare for what’s next

Your equity isn’t just for spending—it’s for positioning.

Here’s how clients are using theirs today:

Creating a redraw or offset split as a ready-to-use buffer
Prepping for their next investment before prices climb or lending tightens
Choosing interest-only repayments on the equity portion to maximise cash flow and flexibility