{"id":10712,"date":"2026-02-01T13:02:26","date_gmt":"2026-02-01T13:02:26","guid":{"rendered":"https:\/\/mortera.arcanetify.com\/?page_id=10712"},"modified":"2026-02-01T13:04:06","modified_gmt":"2026-02-01T13:04:06","slug":"equity-home-loan","status":"publish","type":"page","link":"https:\/\/mortera.arcanetify.com\/?page_id=10712","title":{"rendered":"Equity Home Loan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10712\" class=\"elementor elementor-10712\">\n\t\t\t\t<div data-ekitparallax=\"{&quot;ekit_section_parallax_bg&quot;:&quot;yes&quot;,&quot;ekit_section_parallax_bg_speed&quot;:0.5,&quot;elementor_lazy_load&quot;:&quot;1&quot;}\" class=\"elementor-element elementor-element-1ced9ec e-flex e-con-boxed e-con e-parent\" data-id=\"1ced9ec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-faf9434 e-con-full e-flex e-con e-child\" data-id=\"faf9434\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae55dd9 at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"ae55dd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">EQUITY HOME LOANS<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d28207 breadcrumb-item elementor-invisible elementor-widget elementor-widget-elementskit-breadcrumb\" data-id=\"8d28207\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-breadcrumb.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><ol class=\"ekit-breadcrumb\"><li class=\"ekit_breadcrumbs_start\"><a href=\"https:\/\/mortera.arcanetify.com\">Home<\/a><\/li><\/ol><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5700133 e-flex e-con-boxed e-con e-parent\" data-id=\"5700133\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ab43346 e-con-full e-flex e-con e-child\" data-id=\"ab43346\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a293449 e-con-full sticky-column e-flex e-con e-child\" data-id=\"a293449\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a8c75ea e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"a8c75ea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe13682 at-heading-animation at-animation-heading-none elementor-widget elementor-widget-heading\" data-id=\"fe13682\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">How We Help Equity Home Loans<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-835f15d e-con-full e-flex e-con e-child\" data-id=\"835f15d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2da5f0b ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"2da5f0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Borrowing Assessment                <\/h3>\n                        \t\t  \t<p>We calculate realistic borrowing power based on income, expenses, and deposit.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f09d3b ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"8f09d3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Deposit Options                <\/h3>\n                        \t\t  \t<p>Guidance on low deposit loans, guarantor options, and government schemes.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e24f2a ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"2e24f2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Lender Selection                <\/h3>\n                        \t\t  \t<p>We compare major banks and specialist lenders that suit first home buyers.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72b1e9a ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"72b1e9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Loan Structure                <\/h3>\n                        \t\t  \t<p>We structure loans to reduce costs, improve flexibility, and plan ahead.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d893211 ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"d893211\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Approval Support                <\/h3>\n                        \t\t  \t<p>From pre-approval to settlement, we manage the process end to end.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-439df47 ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"439df47\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Clear Guidance                <\/h3>\n                        \t\t  \t<p>Plain English advice so you know exactly what you are signing up for.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-228b176 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"228b176\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e09d40c elementor-widget elementor-widget-inclub-elementor-template\" data-id=\"e09d40c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"inclub-elementor-template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2bfc508 e-con-full e-flex e-con e-child\" data-id=\"2bfc508\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-36bad5c e-con-full e-flex e-con e-child\" data-id=\"36bad5c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14fe121 project-single-image image-anime at-image-animation at-animation-image-style-1 elementor-widget elementor-widget-image\" data-id=\"14fe121\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-4.jpg\" class=\"attachment-full size-full wp-image-2175\" alt=\"\" srcset=\"https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-4.jpg 1200w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-4-300x200.jpg 300w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-4-1024x683.jpg 1024w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-4-768x512.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6384d10 e-con-full e-flex e-con e-child\" data-id=\"6384d10\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9dc62f5 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"9dc62f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"212\" data-end=\"451\">As you repay your home loan and property values increase, you may build equity in your property. Equity is the difference between your property\u2019s value and the remaining loan balance, and it can be used to support your next financial move.<\/p><p data-start=\"453\" data-end=\"674\">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.<\/p><p data-start=\"676\" data-end=\"916\">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.<\/p><p data-start=\"918\" data-end=\"1171\">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.<\/p><p data-start=\"1173\" data-end=\"1362\">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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-042d6b8 e-con-full e-flex e-con e-child\" data-id=\"042d6b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a0b719 at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"9a0b719\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OUR CLIENT'S <span>CHALENGE<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3caba84 e-con-full e-flex e-con e-child\" data-id=\"3caba84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-863e414 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"863e414\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Saving a deposit while managing rising living costs<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Understanding how much they can realistically borrow<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Navigating confusing lender rules and government schemes<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Competing with experienced buyers in a tight market<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d47e371 e-con-full e-flex e-con e-child\" data-id=\"d47e371\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52b0382 project-entry-image image-anime at-image-animation at-animation-image-none elementor-widget elementor-widget-image\" data-id=\"52b0382\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-4.jpg\" class=\"attachment-full size-full wp-image-2175\" alt=\"\" srcset=\"https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-4.jpg 1200w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-4-300x200.jpg 300w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-4-1024x683.jpg 1024w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-4-768x512.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57c6a14 elementor-absolute video-play-button elementor-widget elementor-widget-elementskit-video\" data-id=\"57c6a14\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"video-content\" data-video-player=\"[]\" data-video-setting=\"{&quot;videoVolume&quot;:&quot;horizontal&quot;,&quot;startVolume&quot;:0.8,&quot;videoType&quot;:&quot;iframe&quot;,&quot;videoClass&quot;:&quot;mfp-fade&quot;,&quot;popupIcon&quot;:{&quot;value&quot;:&quot;icon icon-cancel&quot;,&quot;library&quot;:&quot;ekiticons&quot;},&quot;videoStyle&quot;:&quot;popup&quot;,&quot;videoTypeName&quot;:&quot;youtube&quot;,&quot;autoplay&quot;:false,&quot;muted&quot;:false,&quot;loop&quot;:true}\">\n\t\t\t\n<a class=\"ekit_icon_button glow-ripple ekit-video-popup ekit-video-popup-btn\" href=\"?playlist=&amp;mute=0&amp;autoplay=0&amp;loop=1&amp;controls=0&amp;start=0&amp;end=\" aria-label=\"video-popup\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/i>\t\t\n\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-95def0d e-con-full e-flex e-con e-child\" data-id=\"95def0d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75f2096 section-title at-heading-animation at-animation-heading-none elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"75f2096\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FREQUENTLY ASKED QUESTIONS<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbb6d42 at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"bbb6d42\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CLEAR ANSWERS TO <span>YOUR QUESTIONS<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dbb898b e-con-full e-flex e-con e-child\" data-id=\"dbb898b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2accb05 faq-accordion elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"2accb05\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2329d1eaf17\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-2accb05\">\n                        <a href=\"#collapse-75a17456a2329d1eaf17\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-75a17456a2329d1eaf17\" aria-expanded=\"true\" aria-controls=\"Collapse-75a17456a2329d1eaf17\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">What is home equity?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-75a17456a2329d1eaf17\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-2accb05\" data-parent=\"#accordion-6a2329d1eaf17\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Equity is the portion of your property you own outright. It is calculated as the property value minus the outstanding loan balance.<\/p><p>\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-2accb05\">\n                        <a href=\"#collapse-9f8f9346a2329d1eaf17\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-9f8f9346a2329d1eaf17\" aria-expanded=\"false\" aria-controls=\"Collapse-9f8f9346a2329d1eaf17\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">How much equity can I access?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-9f8f9346a2329d1eaf17\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-2accb05\" data-parent=\"#accordion-6a2329d1eaf17\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Most lenders allow borrowing up to 80% of your property\u2019s value without LMI. The exact amount depends on income, expenses, and lender policy.<\/p><p>\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-2accb05\">\n                        <a href=\"#collapse-a07bd606a2329d1eaf17\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a07bd606a2329d1eaf17\" aria-expanded=\"false\" aria-controls=\"Collapse-a07bd606a2329d1eaf17\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Can I use equity to buy an investment property?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a07bd606a2329d1eaf17\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-2accb05\" data-parent=\"#accordion-6a2329d1eaf17\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes. Many borrowers use equity as a deposit for an investment property. We structure this carefully to keep loans separate and tax-efficient.<\/p><p>\u00a0<\/p><p>\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-2accb05\">\n                        <a href=\"#collapse-3c2ce136a2329d1eaf17\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3c2ce136a2329d1eaf17\" aria-expanded=\"false\" aria-controls=\"Collapse-3c2ce136a2329d1eaf17\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Does accessing equity increase my repayments?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3c2ce136a2329d1eaf17\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-2accb05\" data-parent=\"#accordion-6a2329d1eaf17\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes. Increasing your loan balance may increase repayments. We assess affordability before proceeding.<\/p><p>\u00a0<\/p><p>\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-2accb05\">\n                        <a href=\"#collapse-0d7f4b16a2329d1eaf17\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-0d7f4b16a2329d1eaf17\" aria-expanded=\"false\" aria-controls=\"Collapse-0d7f4b16a2329d1eaf17\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Do I need a new property valuation?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-0d7f4b16a2329d1eaf17\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-2accb05\" data-parent=\"#accordion-6a2329d1eaf17\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes. Lenders require a valuation to confirm the current property value before approving equity release.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>EQUITY HOME LOANS Home How We Help Equity Home Loans Borrowing Assessment [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-10712","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/pages\/10712","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10712"}],"version-history":[{"count":4,"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/pages\/10712\/revisions"}],"predecessor-version":[{"id":10716,"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/pages\/10712\/revisions\/10716"}],"wp:attachment":[{"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10712"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}