Equity in one property. Stuck on the next.
Using the equity in your home
Your equity is sitting still. Give it a plan.
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.
Sound familiar?
Equity on paper. No plan for it yet.
It isn’t doing anything
Your home has grown in value, but that equity just sits there while you keep working.
You’re not sure how it works
Borrowing against your home sounds simple in an ad and complicated in real life. You want to understand it first.
You don’t want to overextend
It is your family home behind the loan. More debt only makes sense if you can comfortably carry it.
It could go anywhere
Without research, picking a property feels like guessing. That is a lot of borrowed money to guess with.
What is really going on
Using equity means more debt. Start with a plan.
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
We plan and buy the property. Your broker handles the lending.
InvestorKit does
- 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 licensed specialists do
- 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
Plan the equity first. Then choose the property.
Five steps, with your broker involved from the start.
- 01
Start with a free call
A 15-minute conversation about your home, your goals and how you feel about more debt. There is no obligation.
- 02
Plan with your broker
Your strategist maps what the equity should do and the buffers to keep, while your broker confirms borrowing and the loan structure.
- 03
Choose on evidence, not a guess
We compare markets across Australia on data and shortlist properties that fit the plan and what you can comfortably hold.
- 04
Check, negotiate and settle
Every shortlisted property goes through our 20-point due diligence before we negotiate. You approve the purchase, then we coordinate settlement.
- 05
Review over time
We revisit the plan as values, loans and your life change, so the next decision starts from where you are.
Experience behind the approach
Meet our clients- Clients with a completed purchase
- 2,200+
- Completed property purchases
- 3,100+
- Typical time from signing to exchange
- 2 to 4 months
REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.
Dated company experience. Purchase counts and reach are historical; individual outcomes vary and are not a forecast of your results.
Success stories
People who used their equity with a plan.
In their words
What clients say about working with us.
Excerpts from verified Google reviews. Individual experiences, not promised or typical results.
Google reviewThis 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.
A. JJRead on Google
Google reviewAt 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.
Sean FiferRead on Google
A fair question
Am I overextending myself?
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.
- Lending advice comes from your broker or lender. We do not give credit advice.
- Paid by you only: no developer commissions and no selling agent referral fees.
- You approve every purchase. Nothing is bought without your agreement.
Your next step
Start with a free 15-minute call.
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 $125K in savings or equity, or guarantor support.
Book your free call
Free 15-minute call. No obligation.
850+ five-star Google reviews. REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.
Weighing your options
Investing on your own, or a team beside you.
The alternative
Investing on your own
You build the plan
Build your own strategy and seek professional input where needed.
You assess the evidence
Source data, compare markets and decide which evidence to trust.
Your search and network
Search listings and build your own agent relationships.
With InvestorKit
A team beside you
Strategy, together
Work with a property strategist to connect your goals, buying brief and portfolio plan.
Dedicated research
A dedicated research team assesses supply, demand and market fundamentals.
A team sourcing for you
An acquisitions team sources opportunities through listings and agent relationships.
Rules and policy
What has changed recently
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
Negative gearing limited for established homes
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.
Source: ATO: negative gearing and CGT reforms (opens in a new tab), Budget 2026-27 explainer (PDF) (opens in a new tab)
Law, not yet startedFederalFrom
CGT discount replaced by indexation and a 30% minimum tax
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.
Source: ATO: negative gearing and CGT reforms (opens in a new tab), Budget 2026-27 explainer (PDF) (opens in a new tab)
In forceFederalFrom
Bank limit on high debt-to-income lending
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.
Source: APRA: limit on high debt-to-income loans (opens in a new tab)
Is this you?
An honest fit check.
The discovery call suits people with access to at least $125K 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
A good fit
This may suit you if...
- 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
Probably not a fit
This may not suit you if...
Before you decide