Unlock the Equity in Your Home
Your property's growth is working capital — let's put it to work.
If your property has increased in value since you bought it, you may have significant equity available to borrow against. An equity loan (or home equity release) lets you access that value without selling — to fund renovations, an investment property deposit, education, or other financial goals. Square 1 Property Group structures your equity loan to minimise cost and maximise flexibility.
Equity Calculation
We calculate your available equity based on your property's current value and outstanding loan balance.
Renovation Finance
Use your equity to fund home improvements that add value and improve your lifestyle.
Investment Deposit
Access equity to fund the deposit on an investment property without touching your savings.
Line of Credit
A revolving line of credit secured against your home gives you flexible access to funds as you need them.
Debt Consolidation
Consolidate high-interest personal loans and credit cards into a lower-rate equity loan.
Tax Considerations
We work with your accountant to ensure equity used for investment purposes is structured for maximum tax deductibility.
Our Simple Process
Property Valuation
We arrange a bank valuation to confirm your property's current market value.
Equity Assessment
We calculate your usable equity and present your borrowing options.
Loan Structuring
We structure the equity loan to suit your purpose and minimise interest costs.
Settlement
We manage the application and ensure funds are available when you need them.
Smart Ways to Use Your Equity
Common Questions
How much equity can I access?
Most lenders allow you to borrow up to 80% of your property's value (LVR) without paying Lenders Mortgage Insurance. We calculate your exact available equity.
What's the difference between an equity loan and a line of credit?
An equity loan is a lump sum with fixed repayments. A line of credit is a revolving facility you draw on as needed. We recommend the right structure for your purpose.
Is the interest tax deductible?
If the equity is used for investment purposes (e.g. buying an investment property or shares), the interest may be tax deductible. Consult your accountant for advice specific to your situation.
Ready to Get Started?
Book a free, no-obligation consultation with our team today.