Your home might be more powerful than you think. If you’ve owned your property for a few years, chances are you’ve built up equity — and that equity could be the key to unlocking your first (or next) investment property. Here’s how it works and how REIF clients are making it happen.
What is Equity and How Does It Work?
Equity is the difference between your property’s current value and what you still owe on your mortgage. For example, if your home is worth $800,000 and your loan balance is $500,000, you have $300,000 in equity.
Leveraging Equity — The Smart Way
Banks may let you access up to 80% of your property’s value, minus what you owe. This can become the deposit for your next property without dipping into your savings.
Pro Tip: REIF helps structure equity access through tailored loan strategies to keep repayments manageable and aligned with your long-term goals.
“REIF helped us realise we didn’t need to wait years to invest again. We used equity to buy our second property — and we’re already seeing strong returns.”
— Lisa & Tom, VIC
Common Mistakes to Avoid
- Borrowing too much, too soon
- Choosing the wrong loan structure
- Failing to plan for cash flow or contingencies
Want a Step-by-Step Guide?
Download our free resource: Retire 10 Years Earlier — The Property Investment Strategy Guide