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Equity Release in Australia
As your property increases in value and your loan balance reduces, you may build up usable equity within your home. Releasing equity can provide access to funds for renovations, investments, or major expenses – but it needs to be done carefully to avoid limiting future options.
At Palisade Brokers, we help Australians assess whether equity release is appropriate and how it should be structured. Rather than simply unlocking funds, we focus on ensuring equity is used strategically and aligned with your longer-term goals.
Because we’re broker-led, we compare lenders and loan structures to help you access equity responsibly. Our role is to provide clarity around how much equity is available, how it affects repayments, and how it fits into your broader financial picture.
What Is Equity Release?
Equity release involves accessing the portion of your property’s value that exceeds your current loan balance, usually through refinancing or restructuring your existing loan.
Equity can typically be used for:
- Renovations or building projects
- Investment deposits
- Debt consolidation
- Major personal or family expenses
The way equity is released and structured is just as important as how it’s used.
What Equity Release Is Commonly Used For
- Funding renovations or extensions
- Purchasing an investment property
- Consolidating higher-interest debts
- Assisting family members
- Large one-off expenses
How Equity Release Works
Equity release usually occurs as part of a refinance or loan restructure.
Common steps include:
- Reviewing your current loan and property value
- Calculating usable equity
- Assessing borrowing capacity and repayments
- Structuring the new loan appropriately
It’s important to consider not just how much equity is available, but how releasing it impacts cash flow and future borrowing power. If using equity for investment, explore Residential Investment Loans or Development Loans.
Who Equity Release Is Best Suited For
Equity release may suit:
- Homeowners with significant equity
- Borrowers planning renovations or investments
- People consolidating multiple debts
- Homeowners seeking financial flexibility
- Borrowers with stable income and repayment capacity
If equity release isn’t suitable, we’ll explain why and explore alternative options instead.
Key Benefits of Equity Release
- Access to funds without selling your property
- Potentially lower interest rates compared to unsecured lending
- Ability to fund major expenses or investments
- Flexible use of released funds
- Consolidation of debts into one repayment
Common Challenges (And How We Solve Them)
Over-extending borrowing capacity → We assess affordability and long-term impact upfront.
Reduced future borrowing flexibility → We plan structures that preserve options where possible.
Unclear repayment impact → We model repayments before proceeding.
Using equity without a clear plan → We ensure equity release aligns with defined goals.
Our Process at Palisade Brokers
- Initial Strategy Discussion
Understand your goals and reasons for releasing equity. - Equity & Borrowing Assessment
Review property value, loan balance, and serviceability. - Structure & Lender Selection
Compare options and design the right loan structure. - Settlement & Ongoing Support
Support through settlement and future reviews.
Related Loan Options You May Want to Explore
Frequently Asked Questions
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Usable equity depends on your property value, loan balance, and lender policy.
Speak with an Equity Release Specialist
