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:
- Upgrade to a forever home?
- Invest in an income-generating Commercial property?
- Reduce debt and increase liquidity?
- Secure an investment property?
2. Don’t Let Your Equity Sit Idle.
We would recommend exploring whether your equity could be leveraged to:
- Buy a strategic investment property (think land-rich, growth areas)
- Purchase off-market opportunities before the general public.
- Upgrade your existing family home.
- Renovate or value-add your existing home.
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.
Industry Insider Property is independent and committed to helping buyers and sellers achieve their desired outcomes. Our experienced buyer agents and advisors will guide, execute, and deliver the best possible results to our clients. That’s why we have over 290 5-star Reviews on Google!
Our team will help you save time and share over 40 years of industry knowledge and expertise to ensure you make a wise, well-informed decision.
Contact us at +613 8374 7652 or email us at admin@industryinsider.com.au to discover how we can assist you in your real estate journey.
Industry Insider Property
Level 3, 489 Toorak Road, Toorak 3142
+613 8374 7652
+613 402 346 810
industryinsider.com.au
