Popular ways
Dream Holiday
The trip you keep postponing.
Using long-term secured debt to fund a short-term experience is a decision that deserves careful thought. It's absolutely done — bucket-list travel, sabbaticals, once-in-a-lifetime family trips — but the shape of the borrowing matters more than the drawdown itself.
Things to consider
- Borrow the smallest workable amount, and structure repayment to clear the holiday portion in 3–5 years, not 30.
- Consider the interaction with travel insurance, cancellation cover and card foreign-currency costs.
- If your equity was earmarked for a bigger goal (investment property, renovation), running the holiday through equity can quietly delay that plan.
- A specialist can help split the loan so the 'holiday portion' is a separate account you pay down independently.
Related equity uses
Three more ways homeowners commonly put usable equity to work.
Explore whether dream holiday could work for you — complimentary, no obligation.
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