Using the equity in your home
Equity on paper is not a strategy. Before any property, we work out what the equity should do and how much risk you are comfortable holding. Your broker confirms what you can borrow. We research, check and negotiate the purchase, and you approve it.
850+ five-star Google reviews. REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.
This is not a get-rich-quick scheme, it's a carefully considered, planned approach to building wealth over time backed by professionals who are working for you the entire way.
We'll reveal how you can save time, stress, and money through strategic property investing.
REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.
Our customer success has been featured in 1000+ media and news outlet articles.
In the newsSound familiar?
Your home has grown in value, but that equity just sits there while you keep working.
Borrowing against your home sounds simple in an ad and complicated in real life. You want to understand it first.
It is your family home behind the loan. More debt only makes sense if you can comfortably carry it.
Without research, picking a property feels like guessing. That is a lot of borrowed money to guess with.
What is really going on
Worrying about overextending is healthy, and most people we speak with share it. Borrowing against your home adds debt and risk, so it is worth knowing, before you borrow, what the money is for, how much buffer you keep and which property earns its place. Your broker answers the lending questions. We answer the property ones, and the plan brings both together.
Who does what
Build a property plan around your goals, cash flow and buffers
Research markets nationally and shortlist properties that fit the plan
Run our 20-point due diligence on every shortlisted property
Negotiate the purchase and coordinate settlement with your broker and solicitor
Your mortgage broker or lender: how much you can borrow, the loan structure and whether borrowing against your home suits you
Your accountant: the tax side of the purchase and your loans
Your solicitor or conveyancer: the contract and title
A licensed financial adviser, if you want advice on your wider finances
InvestorKit does not provide credit, financial or tax advice. Using equity means borrowing against your home, so a licensed broker or lender advises on the loan.
How we help you use your equity
Five steps, with your broker involved from the start.
A 15-minute conversation about your home, your goals and how you feel about more debt. There is no obligation.
Your strategist maps what the equity should do and the buffers to keep, while your broker confirms borrowing and the loan structure.
We compare markets across Australia on data and shortlist properties that fit the plan and what you can comfortably hold.
Every shortlisted property goes through our 20-point due diligence before we negotiate. You approve the purchase, then we coordinate settlement.
We revisit the plan as values, loans and your life change, so the next decision starts from where you are.
Why a buyer’s agent and wealth partner
Using equity means borrowing against the property you already own, so the plan and the checks behind the next purchase carry real weight.
It is a paid service, and it does not suit everyone. We confirm our fee with you upfront, and the free discovery call is where we check together that it fits your budget and your plan.
Suburb research, inspections, agent calls and paperwork can take months of evenings and weekends. We carry that work, and you make the decisions.
Our research team studies supply, demand, rents and local conditions nationally, so the shortlist is not limited to the suburbs you already know.
Every shortlisted property goes through our 20-point due diligence checklist, and we coordinate inspections before you are asked to commit.
The selling agent works for the vendor. We negotiate the price and terms for you, with the research behind every offer.
Around 70% of our recent purchases were off-market or pre-market, so the search reaches past what is listed online.
Your Portfolio Wealth Blueprint maps what comes next across residential and commercial property, and we connect you with selected finance, accounting and insurance professionals along the way.
The InvestorKit difference
A property purchase is one step. We help you build a portfolio around your goals, and keep reviewing the plan with you as it grows.
A purchase-only engagement centres on finding a property, negotiating the price and reaching settlement. Your wider portfolio strategy and what comes next sit outside that brief.
The InvestorKit Group works on every stage with you. Start with a plan for your whole portfolio, put it to work through residential and commercial investing, and keep reviewing the plan as your portfolio grows. We connect you with selected finance, accounting and insurance professionals along the way. Before equity goes into a purchase, we work out the job it should do in your portfolio.
Here for one purchase? We can help with that too. Start with the support you need, with room to build a longer-term partnership.
Purchase-only scope shown. Services vary by agency and engagement.
Why InvestorKit
REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.
Strategists, researchers and buyers’ agents work together on every brief. The research team studies markets nationally and publishes its thinking in whitepapers, reports and the book Driving the Data.
No developer commissions and no selling agent referral fees. We confirm our fee with you upfront, so our advice follows your plan.
$2B+ in property purchased for clients, and 850+ five-star Google reviews.
In the conversation
Forbes Australia BrandVoice partner content
On Today Extra
Author of Driving the DataExperience behind the approach
Meet our clientsSuccess stories
In their words
Excerpts from verified Google reviews. Individual experiences, not promised or typical results.
At the beginning of the year, Jessie (my property strategist) gave me a call following up on my previous purchase and to ask me about my plans for the future. I mentioned I wanted to get back into the market and purchase another property but I didn’t think I would be able to with my borrowing power. She put me in touch with Peter from Mortgage Pros (my new mortgage broker) and he helped me secure funding to buy my second property, where my previous bank was no help.
A fair question
Only you, your broker and your lender can answer that for your situation, and we would rather you ask it than skip it. What we do is plan around it. Before we look at a property, we agree the buffers you want to keep and the holding costs you are comfortable with, and your broker checks the lending against them. Since 1 February 2026, APRA has also limited the share of new home loans each bank can make at a high debt-to-income ratio. It is a limit on each bank, not on you, and your broker can explain how it applies.
Your next step
Tell us where you are and what you want. We will explain how we work and whether we are the right fit. You do not need to be ready to buy.
The discovery call suits people with access to at least $100K in savings or equity, or guarantor support.
Free 15-minute call. No obligation.
850+ five-star Google reviews. REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.
Rules and policy
Current at . General information, not financial, tax or legal advice. Check how any change applies to you with your accountant or adviser.
Law, not yet startedFederalFrom
From 1 July 2027, losses on established residential investment properties bought after 7:30pm AEST on 12 May 2026 can only be offset against residential property income and gains, not wages. Properties already held at that time keep their current treatment, and newly built homes are exempt.
Law, not yet startedFederalFrom
For gains that build up from 1 July 2027, the 50% capital gains tax discount is replaced by indexing the cost base to inflation, plus a 30% minimum tax on the real gain. Gains built up before that date keep the 50% discount, and main residences stay exempt.
In forceFederalFrom
Since 1 February 2026, each bank can make no more than 20% of its new home loans at a debt-to-income ratio of six times or more. It caps the bank’s share of that lending, not any one borrower, and loans to buy or build new homes are exempt.
Is this you?
The discovery call suits people with access to at least $100K in savings or equity, or guarantor support.
You own your home and have built up equity in it
You want a plan for the equity before you choose a property
You are happy to work with a broker on the lending
You want every property researched and checked before you commit
You want to borrow as much as possible, as fast as possible
You are not comfortable with more debt right now. That is a fair answer, and a plan can wait
You want a guaranteed return. Nobody can honestly offer one
Before you decide
Google review
