Your existing property may provide part of the capital for your next move.
Property equity can sometimes help fund another purchase — but equity is not the same as cash, and the usable amount depends on several factors.
Property equity can sometimes help fund another purchase — but equity is not the same as cash, and the usable amount depends on several factors.
Property equity can sometimes be used to help fund another purchase. But equity is not the same as cash.
The amount that may be usable depends on property value, existing debt, lender policy and servicing.
An example
A property may be worth $1,000,000 with an existing loan of $500,000. The gross equity is $500,000.
That does not necessarily mean $500,000 is available to borrow. Lenders apply their own LVR and servicing requirements.
The risks
Increasing debt increases financial exposure. Using an existing property as security can also increase the consequences if repayments cannot be maintained.
Things to weigh up
Useable equity versus total equity
Cross-collateralisation trade-offs
Servicing across combined lending
Property-led finance, structured around your goals.
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Understand your position
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Match the right structure
We consider suitable lending pathways and recommend a structure with the reasoning made clear.
Manage the process
We handle the application detail and keep you informed on what happens next through to settlement.
A simple process, even when the finance isn't
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Tell us what you want to do and the basic numbers behind it.
Compare your options
We assess the scenario, structure and suitable lending pathways.
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Settle and review
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Explore related investment options
Investment Loans
Investment lending differs from owner-occupied lending because lenders may consider rental income, investment expenses and the broader portfolio.
Learn moreInterest-Only Loans
A different repayment structure for a different objective — with the end of the interest-only period understood from the outset.
Learn moreInvestment Refinancing
As a portfolio grows, the original lending structure may no longer be appropriate — a review can reset it around your current position.
Learn moreCommon questions
Speak with a DVELOP broker for guidance tailored to your circumstances.
Explore Using Equity
Tell us what you’re looking to finance. We’ll start with the right questions and keep the process clear.