Many borrows like to think they will get a loan approval just because they have equity. But equity in itself does not impact serviceability for...
No equity is needed to debt recycle as the borrower is not borrowing further against their property/asset they are converting existing debt. Debt...
Hi all, Recently purchased first IP for $615k. Just completed cosmetic renovations (family & friends in trades) so it was well within budget....
Hi I have recently refinanced my IP so now it’s in a split 430k and 140k. The 140k is the equity and is fully offset to be used for next...
Hello all, I have about 1 mil in equity of our ppor and planning to use this for buying our 1st IP. I am unsure about IP journey and this forum...
Hi everyone, I've got a silly question. If my usable equity based on my current properties is 130K and my borrowing capacity based on my...
Hi There, I have a split loan with NAB. Loan A is fixed, Loan B is variable and has redraw and offset account. Under the idea that interest...
Hi All, Like many, we've built up quite a bit of equity in our PPR with growing house prices over the last 5 years and I want to be able to...
Question for expert in trust and tax: If you are trustee of the trust and also co-owner of a house and related equity cash loan but other...
Hi everyone, I’m wondering if I could get some advice.. My dad has an apartment in QLD supposedly worth $900k and he wants to relocate closer to...
Hello Thanks to this forum and all the experts out here. We (My wife and myself) have $100k equity extracted from our joint PPOR property. We...
If a bank valued a property at $500k and you were able to purchase it for say $420k, would they instantly calculate that equity into your LVR (say...
Hello, Did an equity release on my PPoR and will use some of the funds ($180k) for the deposit, stamp duty, conveyancing, pest and building...
Hi Folks, I was wondering if I can pull out equity from a paid off investment property. Would banks be able to allow that? Finally would...
Hey Guys , I am a first home investor, looking to purchase my first investment property. I have pre approval for 585k on a $400 rental return. I...
Hi I'm in the process of refinancing my PPOR. There is a potential to revalue my property upwards, meaning that I could either stick with my...
Hi all, Unfortunately I'm at the starting stages of separation with my wife, and I'm trying to wrap my head around how I can possibly keep the...
Hi, In a couple of years I will have about 100k equity which I would ideally love to invest in property, but my borrowing capacity will not be...
Is it possible to release equity from a property that has been completely paid?
Hi, sorry this might be a long thread but I have heaps of questions. Would love any guidance thanks! Current situation: So I’m 35 (combined...
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