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Unlock the Value in Your Property — Safely

Release equity from your home to fund life goals without losing control of your finances.

Speak to an Equity Release Specialist

Introduction – Equity Release Explained

For many Australians, their property is their biggest asset — but the value is often tied up and inaccessible. Equity release is about unlocking a portion of that value and putting it to work, without needing to sell your home.

When structured properly, equity release can be a powerful financial tool. When done poorly, it can create long-term stress and limit future options. At Grange Finance, we focus on responsible equity release strategies that support your goals today while protecting your financial position tomorrow.

Who This Service Is For

This service is designed for homeowners who have built equity in their property and want to use it strategically — not impulsively.

If you’re a homeowner looking to renovate, consolidate debts, support family, or fund major life expenses, equity release may provide access to funds at a lower cost than personal loans or credit cards.

For property investors, equity release is often used to access deposits for additional properties, renovations, or portfolio restructuring — without selling existing assets.

We also assist pre-retirees and retirees who want to understand their options clearly, weigh risks carefully, and make informed decisions without pressure.

What Is Home Equity

Home equity is the difference between your property’s current market value and what you still owe on your mortgage.

For example, if your home is worth $900,000 and your loan balance is $400,000, you have $500,000 in equity. Lenders generally allow access to a portion of this equity — not all of it — to ensure financial safety buffers remain in place.

Equity grows over time through property value increases and loan repayments. The key is understanding how much usable equity you actually have, and how accessing it affects your future borrowing capacity.

How Equity Release Works

Equity release is typically achieved by restructuring or refinancing your existing home loan.

Here’s how it usually works:

  • Property Valuation –
    Your lender assesses your property’s current market value.
  • Loan Review & Restructure –
    Your existing loan is reviewed and increased, or refinanced, to release funds.
  • Accessing Funds –
    Released equity is provided as a lump sum, loan split, offset account, or line of credit.
  • Repayment Structure –
    Repayments are structured to suit your cash flow and long-term goals.

The key is ensuring the loan structure remains manageable and aligned with your financial plan.

Ways to Use Released Equity

Equity release is flexible — but how it’s used matters.

Common Uses Explained

  • Home Renovations
    Using equity to improve or extend your home can increase its value and liveability.
  • Debt Consolidation
    High-interest debts can be rolled into a lower-rate home loan structure.
  • Property Investment
    Equity is commonly used as a deposit for investment properties.
  • Business or Personal Goals
    Funding education, major purchases, or business opportunities.

Strategic Use Matters

We help ensure equity is used for long-term benefit, not short-term relief — and structured in a way that preserves tax clarity and borrowing power.

Risks & Considerations

Equity release isn’t right for everyone. Key considerations include:

  • Increased loan balance and repayments
  • Long-term interest costs
  • Reduced future borrowing capacity
  • Impact on retirement planning
  • Risk of over-leveraging property assets

This is why strategy and restraint matter just as much as access to funds.

Why Choose Us for Equity Release

✔ Strategy-First Advice

We focus on long-term outcomes, not just access to funds.

✔ Access to 50+ Lenders

We compare options across banks and specialist lenders.

✔ Clear, Honest Guidance

No pressure, no jargon — just practical advice.

✔ Ongoing Support

We review your loan structure as your situation changes.

FAQs

  • 1. Is equity release the same as refinancing?

    Equity release often involves refinancing, but the goal is accessing usable equity.

  • 2. How much equity can I release from my home?

    This depends on property value, loan balance, income and lender criteria.

  • 3. Does releasing equity increase my repayments?

    Usually yes — unless structured carefully to suit your cash flow.

  • 4. Can I use equity for investment purposes?

    Yes — many investors use equity as deposits for new properties.

  • 5. Is equity release risky?

    It can be if poorly structured. Professional guidance reduces risk significantly.