Access equity without wrecking your cashflow
We map the numbers and structure first so you stay in control. Know exactly what you can access and how it fits your plan.
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Built for your stage
Whether you're starting out or stepping up, we structure loans that work with your life.
Five steps to accessing your equity
We walk through each stage with you, checking the numbers at every turn. You'll know what's available before you commit to anything.
Review your current property values and loans
We assess your property value and existing loans to determine your available equity.
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Confirm available equity
We confirm available equity and explain lender requirements.
Decide purpose & structure
We set up separate splits to suit your equity release purpose.
Valuation & Approval
We handle the valuation and approval process to keep your application moving smoothly.
Funds Access Setup
We set up your equity release so you can access funds when you need them.
Who we help
We move fast and keep you informed at every turn.
Investors buying again
Investors are returning, creating opportunities for equity release.
Renovation Funding
Access funds from your home to renovate and improve your property.
Debt Consolidation
Equity release can simplify repayments by consolidating debts.
Safety buffer
Equity release provides a financial buffer for peace of mind.
Business flexibility
Equity release gives business owners flexible access to funds without affecting daily operations.
What we examine before lending
We dig into the details that matter. Your income, debts, deposit, and the property itself all shape what's possible.
LVR and usable equity
LVR shows your borrowing level, and usable equity is what you can access.
Servicing & Capacity
Equity release affects your repayments and future borrowing capacity.
Loan Structure & Purpose
A split loan divides your borrowing into fixed and variable portions for flexibility and stability.
Repayment Planning
A buffer and repayment plan helps manage costs and stay financially secure.
Mistakes we help you sidestep
Most people stumble before they start.
No Plan, No Buffer
Pulling equity without a plan can be risky; always have a strategy to manage repayments.
Mixing personal and investment use
Loans for both personal and investment use are assessed separately by lenders.
Borrowing Limits
Borrowing too much can limit your financial flexibility.
Equity impact on repayments
Using equity without checking repayments can strain your finances.
Ignoring valuation and lender policy differences
Differences in valuations and lender policies can affect your equity release, so review them carefully.
Get your documents ready
Gather what we need before we start. The more organized you are, the faster we move.
Existing loan statements
Existing loan statements help lenders assess your current debts.
Income evidence
Income evidence shows lenders you can manage repayments.
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Property & Rates
Your property details help determine value and rates for equity release.
ID documents
ID documents verify your identity for a smooth equity release process.
FAQs
Find answers about accessing and structuring your equity release.
It depends on your property value, what you owe, and what lenders will allow. We calculate your usable equity based on LVR limits and your specific situation. The amount available is usually less than you think, which is why we map it carefully first.
Not always. Some lenders let you access equity without refinancing the whole loan. Others require it. We check your lender's rules and show you the options that cost you least.
Yes, it will. Using equity now means less available later. We model this upfront so you know what you're trading. Sometimes it's worth it. Sometimes it's not.
Usually yes. Separate splits keep investment loans clean, make tax clearer, and give you better control. We set this up based on your purpose and what makes sense for your position.
Once approved, funds can move in days. The approval process takes longer. We handle the valuation and lender paperwork so you're not waiting on our end.
Still have questions?
Reach out and we'll walk through your specific situation.
Ready to move forward?
Let's map your equity and build a structure that works for you.
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