Investing & wealth building
Start or Fund a Business
Back yourself, not the bank.
New businesses have a much higher cost of capital than a home loan — if they can borrow at all. Homeowners with equity often use a portion of it to seed a business at home-loan rates — but the counterweight is that your home now sits behind that business risk.
Things to consider
- Borrow the minimum the business genuinely needs to hit its first milestone — don't over-capitalise from home equity.
- Keep business and household finances clearly separated (separate accounts, cards, structures) to preserve tax visibility.
- Consider the interaction with any personal-guarantee arrangements a supplier or landlord may already require.
- This is a considered move — get accountant and (where relevant) legal advice on structure before drawing funds.
Related equity uses
Three more ways homeowners commonly put usable equity to work.
Explore whether start or fund a business could work for you — complimentary, no obligation.
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