Investing & wealth building
Grow a Share Portfolio
Put dead equity to work.
Using home equity to invest in markets — a strategy sometimes called 'debt recycling' — can lift long-term wealth, but it also concentrates risk in one asset (your home) if markets fall. This is one of the more sophisticated uses of a refinance and should never be entered into without professional advice from a qualified financial adviser.
Things to consider
- Home-loan rates are far more stable than share returns — a bad year in markets while paying secured interest can be painful.
- Tax deductibility of interest depends heavily on structure and use — errors here can be expensive; get accountant advice.
- Diversification matters — putting all released equity into a single stock or sector defeats the point.
- This strategy is not personal financial advice; a licensed financial adviser should review it against your full situation.
Related equity uses
Three more ways homeowners commonly put usable equity to work.
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