We calculate realistic borrowing power based on income, expenses, and deposit.
Guidance on low deposit loans, guarantor options, and government schemes.
We compare major banks and specialist lenders that suit first home buyers.
We structure loans to reduce costs, improve flexibility, and plan ahead.
From pre-approval to settlement, we manage the process end to end.
Plain English advice so you know exactly what you are signing up for.
As you repay your home loan and property values increase, you may build equity in your property. Equity is the difference between your property’s value and the remaining loan balance, and it can be used to support your next financial move.
An Equity Home Loan allows you to access this value without selling your property. It can be used for purposes such as purchasing an investment property, renovating your home, consolidating debts, or funding future plans.
At Mortera, we assess equity carefully. Accessing equity increases your loan balance, so it must align with your income, expenses, and long-term goals. We review your position before recommending how much equity, if any, should be released.
Different lenders treat equity differently. Some are more flexible with borrowing limits, while others apply stricter serviceability and risk rules. Choosing the right lender is critical to avoid over-committing or restricting future borrowing capacity.
Our role is to structure equity loans responsibly. We consider loan splits, interest-only options, offset accounts, and future exit strategies so your equity works for you, not against you.
Equity is the portion of your property you own outright. It is calculated as the property value minus the outstanding loan balance.
Most lenders allow borrowing up to 80% of your property’s value without LMI. The exact amount depends on income, expenses, and lender policy.
Yes. Many borrowers use equity as a deposit for an investment property. We structure this carefully to keep loans separate and tax-efficient.
Yes. Increasing your loan balance may increase repayments. We assess affordability before proceeding.
Yes. Lenders require a valuation to confirm the current property value before approving equity release.
Mortera is available 8am to 8pm, seven days a week.
We work Australia-wide.
No obligation.
Expect a response within five minutes during business hours.
298 George St, Haymarket, Sydney, Australia
Mortera Finance Pty Ltd trading as Mortera
ABN: XX XXX XXX XXX
Australian Credit Licence: XXXXXX
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