Property & protection
Build an Emergency Buffer
Breathing room, ready when needed.
An emergency buffer sitting in an offset or redraw isn't spending — it's peace of mind. For homeowners who don't currently have one, a refinance can be a chance to build one in, either by drawing a modest amount and parking it, or by restructuring to make room in cashflow to save into an offset over time.
Things to consider
- Money drawn and left in an offset is still borrowed — you're paying (a small amount of) interest for the safety net.
- 3–6 months of expenses is a common target, but yours depends on income stability, dependants and other buffers.
- Consider whether a redraw or an offset is the better location for the buffer — the tax and access implications differ.
- This is about resilience, not investment — don't chase yield with your buffer.
Related equity uses
Three more ways homeowners commonly put usable equity to work.
Explore whether build an emergency buffer could work for you — complimentary, no obligation.
No obligation · No cost · No credit check to enquire.