Illustrative example for educational purposes — not an actual client, and not a guarantee of similar outcomes.
The Investor
Accessing equity for a deposit on an investment property.
Imagine a homeowner with a healthy amount of equity who is thinking about buying an investment property. Rather than saving a fresh cash deposit from scratch, they wonder whether the equity in their existing home could form part of that deposit.
A homeowner exploring this might look at releasing a portion of their usable equity to put towards a purchase, while keeping their overall borrowing within a comfortable, lender-assessed range.
Investment lending brings extra considerations — borrowing capacity across both properties, buffers for interest-rate changes, and tax matters best discussed with an accountant. This is a considered, longer-term move rather than a quick decision.
Typical figures (ranges only)
- Typical current LVR range
- Under 60%
- Equity often put toward deposit
- $80k – $250k
- Planning horizon
- 5+ years
Figures are broad, illustrative ranges only — not a quote, forecast, or guarantee of a similar outcome.
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Important — General Information Only
This information is general in nature and does not take into account your personal objectives, financial situation or needs. It is not personal advice, credit advice, tax advice or legal advice, and is not a recommendation to enter into, refinance, or remain in any particular credit contract. Any figures, calculations, or projections shown are simplified examples for illustration only — they are not guarantees or forecasts, and actual outcomes will vary based on your circumstances and the lender's assessment.
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