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. I don’t 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
Helping their sons onto the property ladder without becoming guarantors
Situation: Parents wanting to gift $300,000 to their sons without becoming guarantors.
Result: A $435,000 loan, and a discounted rate across all three family loans.
Jack and Marnie, 62 and 65, wanted to help their two adult sons buy their first homes without becoming guarantors. One son was expecting his first child and the other was about to marry, and they wanted to gift $150,000 to each, $300,000 in total.
Their Mount Eliza home was worth $1.7 million with just $135,000 owing. Refinancing brought their total lending to $435,000, with no need for separate splits. Both were still working full time, so servicing the loan wasn’t the issue. Their exit strategy was.
They plan to downsize when they retire, moving closer to their sons to help with the grandchildren. So I structured a 30 year term to keep repayments comfortable until they sell, clear the loan and buy their next home debt free.
Sometimes the work I 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.
I 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. A meaningful head start for two young families, and a clear, considered plan for Jack and Marnie’s own retirement.
Sound like your situation? Tell me what you’d like your equity to do and I’ll show you the smartest way to release it.
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
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
Accessing equity isn’t the goal. Using it well is. Here’s where I focus every time you release equity.
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.
How releasing equity with me works
Releasing equity should feel considered, not rushed. The process working with me reflects that.
Why professionals work with me
You’ll deal with me from valuation to settlement, so the equity you release goes exactly where you planned.
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Lenders on panel
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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.
Ready to put your equity to work?
Tell me what you’re hoping to achieve and I’ll come back with an honest read on your options.
Related reading
Want to go deeper before you get in touch? Start here.
Debt recycling: a 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.