Put The Equity In Your Home To Work
The equity in your home is money you’ve already earned. If your property has grown in value or you’ve paid down your loan, you may be able to put some of it to work: for a renovation, an investment, consolidating debt, or bridging to your next home. We’ll compare 40+ lenders and show you what’s realistic for your situation.
- See how much equity you may be able to access, before you commit to anything
- Put it toward a renovation, an investment, or your next property
- Consolidate higher-interest debts into your home loan, with an honest look at the trade-offs
- No charge to you in most cases: we’re paid by the lender, and we tell you upfront
Explore Your Equity Options
Tell us what you’re planning and one of our brokers will be in touch within one business day. No obligation, no pressure.
Your details stay with us – see our privacy policy.
What Your Equity Could Help You Do
How you access your equity depends on your goals and circumstances. Here’s where we help most:
Access Your Equity
Tap into the value you’ve built to fund a renovation, an investment or another goal, often without needing to sell.
Consolidate Debt
Rolling higher-interest debts into your home loan can simplify repayments. It isn’t right for everyone, and we’ll walk you through the trade-offs honestly.
Bridge The Gap
Buy your next home before selling your current one. Bridging finance has specific features, timing and costs, and we’ll explain them in plain English.
Compare 40+ Lenders
Equity, cash-out and bridging policies vary widely between lenders. We compare the options to find one that fits your situation, not just one bank’s answer.
Not sure which fits? That’s exactly what the first chat is for: it’s free, and there’s no obligation to proceed.
Is Accessing Your Equity Right for You?
Putting your equity to work can be a smart move, but it’s your home on the line, so we’ll always give you the straight version:
- It increases your loan. Accessing equity means borrowing more, which usually means higher repayments. We’ll be clear on the ongoing cost before you decide anything.
- Consolidation has a trade-off. Rolling debts into your home loan can lower monthly repayments, but spreading them over a longer term can cost more in interest overall.
- Timing matters for bridging. Bridging finance is powerful but time-sensitive, and the numbers need to stack up. If it isn’t the right fit, we’ll tell you.
How It Works
Tell us about you
Fill in the short form. We’ll arrange a free, no-obligation chat – in person, by phone or by video, whatever suits.
We do the homework
We assess what you could borrow, weigh up your options, and compare loans from 40+ lenders.
You move with confidence
We handle the application and paperwork through to settlement, and keep you informed at every step.
Homeowners Trust Strategic Mortgages
★★★★★
“Richard and his team are absolutely amazing. His communication and knowledge of the industry was outstanding… Our case wasn’t simple at all but he always went above and beyond to get it done. 10/10.”
Angelique Atherton – Google review
★★★★★
“Dealing with Ben was a breeze from start to finish. His communication is clear and you can always get hold of him when you need… Ben has great industry & lending knowledge too and his team were also very supportive throughout the process. 5 stars all round.”
Georgia Wood – Google review
★★★★★
“Ben was fantastic! He went above and beyond to help us secure our dream home. Thanks Ben for all your hard work!”
Ashley Coley – Google review
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Equity, Cash-Out & Bridging Questions, Answered
How much equity can I access?
It depends on your property’s current value, your remaining loan balance and each lender’s policy. Every lender assesses it differently, and most want you to keep a buffer rather than borrowing against all of it. We’ll estimate what may be available for your situation.
Do I have to refinance to access my equity?
Not always. Depending on your lender and circumstances, you may be able to access equity through a loan increase or a separate split rather than fully refinancing. We’ll look at the cleanest option for you.
What can I use the equity for?
Common uses include renovations, investing, consolidating debt, or bridging between properties. Some lenders ask about the purpose and certain uses have specific requirements, and we’ll guide you through it.
Will accessing equity change my repayments?
Usually, yes. Borrowing more generally means higher repayments, and the loan structure (and any consolidation) affects the picture. We’ll show you what it looks like before you decide.
Will consolidating debt into my home loan save me money?
It may lower your monthly repayments, but spreading debt over a longer term can increase the total interest paid over time, and it secures previously unsecured debt against your home. Whether it makes sense depends on your circumstances, and we’ll show you the trade-offs so you can decide.
How does bridging finance work?
Bridging finance can help you buy your next home before your current one sells. It has particular features, timeframes and costs, and it isn’t suitable for everyone, so we’ll walk you through whether it fits your plans.
See What Your Equity Could Do
One free, no-obligation chat could show you what’s possible, and whether now’s the right time. No jargon, just clear answers.
Explore My Options
