hello, I'm glad to have found this forum. I have been asking myself how can I still move up the property ladder? If you can help it would be great! I want to move up the property ladder with renovating but with no finance, how can I do that? The negative: I'm over 45 I have only part time work, not much about 20 hours a week to survive on I have no savings but over 5k in debts I have not been able to find more work after trying for over 6 months Positive: I have a property I live in It would have about $50,000 - 80,000 in equity or more I have renovation experience and like it I moved back into my own place and I would like to renovate it. I have no money for that but I do have some paint to get it a spruce up. I can buy some materials over the coming months and improve it as I can afford things. What I would like to know is: Once it was renovated, would I be able to get finance from the bank from the equity to buy another place? By then I would be debt free with a little savings Basically I need to know how can I progress as fast as possible with my debts and no income but with my property and my reno skills and experience?