How to Use Property Equity Wisely

1. Clarify Your Goals First

Equity gives you options, but your next move should be guided by your long-term goals, not just the numbers.

We encourage our clients to become crystal clear on their lifestyle goals and reasons for buying.

Are you looking to:

2. Don’t Let Your Equity Sit Idle.

We would recommend exploring whether your equity could be leveraged to:

3. Ensure you have a strategic mortgage broker!

Finance Structure is everything!

We recommend speaking with your mortgage broker, financial advisor & accountant to assess:

How to safely access equity (e.g. line of credit vs. refinancing)
Whether fixed or variable loans suit your next move
Tax implications if reinvesting (especially if you’re looking at property vs. shares)

For a deeper dive into how to leverage your mortgage to build long-term wealth, check out our guide on maximising your wealth with effective mortgage strategies.

4. Consider the Buy–Before–You–Sell Strategy

Use equity to buy before you sell, but only when you know the pros and cons.
Lean on a buyer agent to secure value
Then, carefully project-manage your existing property’s sale through our Vendor Advisory Service!

5. Maintain a buffer for emotional security.

Going all in when you feel confident is tempting, but a buffer is your best mate in a shifting market.

We suggest keeping some equity untapped as a buffer for flexibility or future opportunities, especially with economic uncertainty!

Equity is power, but how you deploy it separates the savvy from the stretched.

Our clients consistently say we’re the best decision they made in their property journey. Read our reviews on LinkedIn and Google to see why.

Industry Insider Property
Level 3, 489 Toorak Road, Toorak 3142
+613 8374 7652
+613 402 346 810
industryinsider.com.au