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How to Use Home Equity to Your Advantage with Property Credit

We hear of savvy sellers using equity to further along the sale of their property. But what exactly is equity release and how can you use it to your advantage? Let’s unpack all things home equity so that you can get the most out of the sale of your home.  

Equity explained

Home equity is the current market value of your home less the amount owing on your mortgage. Simply put, it’s the portion of your home you actually own. So if your home is worth say $800,000 and you have $300,000 owing on your mortgage, the equity would be $500,000. We call this your home’s ‘locked up’ value.

How can equity be used?

Many don’t realise that you can access equity to service a number of cash-flow requirements like,

  • Debt consolidation
  • Investments (shares, real estate etc.)
  • Medical bills
  • Holidays

…you name it!

How can I use my home’s equity to its full potential?

We buy and sell for different reasons. Whether you’re upgrading, downsizing, or sea-changing — selling a home is one of life’s biggest undertakings.

Property Credit offers funding at every stage of your property transaction to help streamline the process and take some of the guesswork out of the buy and sell timeline.

One of the biggest stresses on buyers and sellers is securing their next home before the settlement of their current one. But Property Credit allows you to start house hunting before you settle, easing some of that pressure to rush the sale of your home.

Equity release funding helps bridge the gap between what you plan to do after the sale of your existing property, and now. So it could be used to put a deposit on a new home, or any number of the cash-flow barriers we discussed earlier. If you’re wanting to bid at an upcoming auction but haven’t yet settled your current property, you can apply for an auction deposit again, using equity to buy with confidence.

A chart showing a property owners steps through a home sale and purchase scenario and showing where Property Credit can help.


‘All roads lead to Rome’


A home deposit can be just the beginning of your journey with us. We offer funding at every stage of the property transaction to help streamline the process. So as your sale progresses, so too can your funding requirements. Much like having a financial safety net, Property Credit can adjust the size of your loan facility as it’s required.

So, if your agent recommends increasing the advertising of your property, we can help cover those upfront costs as well as any pre-sale improvements you might like to make to the home to increase saleability.

Visit property.credit for more information on our services or you can contact us on 1300 829 536 (au) or 03 668 2144 (nz).

This article is for general information purposes only and is not intended as financial product advice. Consider seeking independent financial advice that relates to your individual circumstances.

Buy and sell property on your terms

There's so much to consider when buying or selling. Below are just some of the opportunities equity release can offer over the course of a property sale. 

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Furniture & Home Staging

Cover the costs of furniture and home decor staging for your property for sale.
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Bridging Loans

Selling your property? Access up to 80% of its value with a Bridging loan.
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Buyer Deposit Facility

Fund your auction deposit using equity from the property you’re selling.
Icon of a house with a speech bubble that contains a dollar symbol inside.

Equity Release

Selling your property? Access up to 80% of its value.
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Property Advertising

Fund up-front advertising costs when selling your property.
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Pre-sale Improvements

Increase saleability with pre-sale improvements and staging.
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Investment Property Expenses

Cover costs related to your investment property and repay with rental income.
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GST Loan

Need to fund the GST on your commercial property purchase? We've got you covered.

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