Equity Release › Can I use equity to buy an investment property?

Can I use equity to buy an investment property?

Yes, this is one of the most common uses. You release equity from your home to fund the deposit and costs of an investment property, rather than using cash savings, subject to your borrowing capacity.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

Using home equity is how many Australians fund their first investment property. It can let you invest without a fresh cash deposit. The key is structuring it well, ideally as a separate loan split, so your tax position stays clean and your home and investment are not tangled together. Advice from your accountant helps here.

The key points

Equity can fund an investment deposit and costs.
It can let you invest without saving fresh cash.
Structure it as a separate split where possible.
Get accounting advice on the tax side.

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.