Calculate your equity and Borrowing Capacity
Understanding how much equity you can access, and how much you can borrow, is the crucial first step. Your home’s value, your current loan, your income, expenses and credit history all play a part.
Equity Investing. Build a property portfolio using the equity in your home
Already own a home?
The equity you've built could be the deposit on your first investment property. With No1 Property Guide, you can put that equity to work and start building your property portfolio, without having to save a deposit.
What is
equity?
Equity is the difference between what your home is worth today and what you still owe on your mortgage. Every repayment you make, and every bit of growth in your home's value, adds to it.
Here's how it works: your lender lets you withdraw part of your equity (known as usable equity) and put it towards the deposit and costs of an investment property. That way, the home you already own helps you buy the next one, while your tenant's rent helps pay it off.
Why use your equity with No1 Property Guide?
At No1 Property Guide, we specialise in helping everyday Aussies get into the property market, and then helping them build property portfolios. If you already own your home, your equity could be the key to your first investment property.
Finding your investment property and mortgage approval
You select 3 existing home options. Our team will negotiate the price for you. Prefer a new build? We’ll help you find the right house and land package. Either way, we secure your loan approval. We streamline the process, ensuring a smooth path to your next property.
Settle and start earning rent
Once settlement goes through (or your build is complete), your investment property is ready for tenants. Their rent helps cover your repayments, while you keep building equity across two properties.
Get started
Homeowners becoming property investors
Listen to stories from clients who used Darren's system to build equity, and then put it to work growing their property portfolios.
An expert team to answer all your questions
FAQHow can
How can
we help?
Will using my equity affect my current home loan?
Accessing equity usually means increasing or restructuring your current loan, or setting up a separate loan against your home. Our Mortgage Managers will walk you through the options that suit your situation before anything changes.
How much equity can I access?
It depends on your home’s value, what you still owe, and your borrowing capacity. Most lenders let you access up to 80% of your home’s value, minus your current loan. We’ll work out your usable equity as part of your assessment.
What are existing homes?
Existing homes are already built and ready to move into, bought on the established market rather than constructed for you. No build timeline, and available Australia wide in established suburbs.
What are house and land packages?
A simplified and streamlined process where you can secure and purchase your preferred block of land AND the construction of your new home. It includes the design, layout, and build of your home.
What is borrowing capacity/power?
This is simply the amount you can borrow up to buy your new home. This will be subject to final approval.
What is the first step?
We assess your financial situation and calculate your borrowing capacity. We then go through all of your factual home options, new build or existing, so you can make an informed decision. Get pre-qualified now.
How much income do I need?
We don’t pre-judge anyone. Income vs debt + rental income from the potential investment property will end up determining what you can and can’t do.
Why choose No1 Property Guide?
Darren’s already helped thousands of renters become homeowners, and then helped them build property portfolios worth millions. Read our amazing 5 star reviews on Facebook and Google to see what our happy clients have to say for yourself.
Ready to put your Equity to work?
You've worked hard to build equity in your home. Now it could help you secure your next property. It takes just a few minutes to complete the first step, so speak to our team about using your equity to invest today.Get started