Equity release loans
Turn the equity you have built into your next move
You’ve spent years paying down your home loan and watching your property grow in value. Now it’s time to put that equity to work, with a plan behind it.
I do not just ask what you can do with your equity. I ask what you should do with it.
Prefer to talk first? Call Durand direct on 0450 275 656
How I can help
With over 23 years in financial services, I bring a depth of understanding to lending, tax structure and long-term wealth building that most brokers simply don’t have. Accessing equity isn’t the goal. Using it well is.
Accurate equity assessment
A realistic read on your usable equity once buffers and serviceability are accounted for.
Avoiding cross-collateralisation
Keeping your existing loan and new borrowing structured cleanly and separately.
Tax-effective structuring
Working alongside your accountant so the way you release equity supports your tax position.
Funding your next goal
Renovations, an investment, a deposit for your next purchase, or simply more flexibility.
Timing around valuation and rates
Understanding how your property’s value and current rates affect what you can release.
Ongoing structure reviews
Checking in as your equity and goals change over time.
Helping their sons onto the property ladder without becoming guarantors
Jack and Marnie, 62 and 65, came to us wanting to help their two adult sons buy their first homes, without becoming guarantors on either loan. With their oldest son expecting his first child and their younger son about to get married, they wanted to give both boys a genuine head start in a market where saving a deposit has become increasingly difficult for the next generation.
To be fair to both sons, they wanted to gift $150,000 each, a total of $300,000. Their home in Mount Eliza was worth $1.7 million, with an existing home loan of just $135,000, giving them substantial equity to work with. Refinancing brought their total lending to $435,000, combining their existing loan with the new $300,000. We saw no need to split the loan into separate portions, the structure simply didn’t call for that complexity.
Jack, a general manager in manufacturing, and Marnie, a bookkeeper, were both still working full-time, so servicing the loan wasn’t the challenge. The real consideration was their exit strategy given their age. Their Mount Eliza home, bought decades earlier to raise their own family, had become larger than they needed now that their sons were grown and starting families of their own.
With that in mind, we structured a 30 year loan term to keep their ongoing repayments comfortable. Jack and Marnie plan to downsize when they retire, moving closer to their sons to help raise their grandchildren, selling their home, paying off the residual loan, and buying something better suited to that next chapter, debt free.
Sometimes the work we do isn't about strategising for wealth. Sometimes it's about strategising for lifestyle, and for the relationships that get passed down to the next generation.
We found a lender well suited to their circumstances, one who offered a discounted rate across all three loans, Jack and Marnie’s refinance and both sons’ new home loans, placed together. A meaningful head start for two young families, and a clear, considered plan for Jack and Marnie’s own retirement.
Equity release is a strategy, not just access
Equity release allows you to borrow against the increased value of your property, using that capital for new opportunities without selling or restructuring your entire loan. The mechanics are simple. The judgement call is what you release it for, how it’s structured against your existing loan, and whether the timing genuinely works in your favour. That’s where a considered approach matters more than the transaction itself.
It suits you if you are
- Wanting to fund renovations without new savings
- Looking to invest using the equity in your home
- Consolidating other debts using released equity
- Needing a deposit for your next property purchase
- Simply wanting more financial flexibility
Why clients choose me for equity release
With over 23 years in financial services, I understand the intersection of lending, tax structure and long-term wealth building better than a broker who only compares rates. I don’t just ask what you can do with your equity, I ask what you should do with it, and structure the loan accordingly.
Equity release is a strategy, not just access
Equity release allows you to borrow against the increased value of your property, using that capital for new opportunities without selling or restructuring your entire loan. The mechanics are simple. The judgement call is what you release it for, how it’s structured against your existing loan, and whether the timing genuinely works in your favour. That’s where a considered approach matters more than the transaction itself.
It suits you if you are
- Wanting to fund renovations without new savings
- Looking to invest using the equity in your home
- Consolidating other debts using released equity
- Needing a deposit for your next property purchase
- Simply wanting more financial flexibility
Why clients choose me for equity release
With over 23 years in financial services, I understand the intersection of lending, tax structure and long-term wealth building better than a broker who only compares rates. I don’t just ask what you can do with your equity, I ask what you should do with it, and structure the loan accordingly.
How I can help navigate your next move
Releasing equity should feel considered, not rushed. The process working with me reflects that.
Why professionals work with me
Every lending strategy is delivered by the same person, start to finish, not handed between call centre staff.
23+
Years in financial services
70+
Lenders on panel
5★
Client feedback
1:1
End-to-end service, no handoffs
Equity release loan FAQs
How much equity can I release from my home?
It depends on your property’s current value, your existing loan balance, and your borrowing capacity. Most lenders want you to retain at least 20 percent equity after any release, though this can vary by lender and circumstance.
Is releasing equity the same as refinancing?
They can overlap. Refinancing means switching your whole loan, sometimes to a new lender, while equity release specifically means borrowing against the increase in your property’s value, often through a separate loan split rather than a full refinance.
What can I use released equity for?
Common uses include renovations, an investment property deposit, debt consolidation, or funding a business venture. What matters most is that the use aligns with your broader financial goals, not just that the funds are available.
Will releasing equity affect my home loan repayments?
Yes, since you’re increasing your total borrowing, your repayments will typically increase. I’ll model the numbers with you clearly before you decide, so there are no surprises.
What is cross-collateralisation and how do I avoid it?
Cross-collateralisation is when one loan is secured against more than one property. I generally structure equity release to keep your existing home loan and any new borrowing cleanly separated, protecting you if circumstances change later.
How is your approach different from just increasing my loan limit?
Simply increasing your limit is transactional. With over 23 years in financial services, I look at whether releasing equity actually serves your goals, how it’s structured, and what it means for your tax position and future flexibility, not just whether the funds are available.
Related reading
Want to go deeper before you get in touch? Start here.
Debt recycling – case study
How one couple used released equity to build long-term wealth.
11 strategies to help pay off your mortgage sooner
Practical ways to bring your home loan payoff date forward.
Explore more lending options
Released equity is often the starting point for a bigger strategy. Here’s where else to look.
Investment property loans
Use released equity as a deposit for your next property purchase.
Debt consolidation
Combine released equity with other scattered debts into one structured loan.
Debt recycling strategy
Turn released equity into a structured, tax-effective wealth-building strategy.
Ready to put your equity to work?
Tell us what you’re hoping to achieve and we’ll come back with an honest read on your options.