Equity Release › How much equity can I access from my home?

How much equity can I access from my home?

Lenders usually let you borrow up to around 80 percent of your home value before lenders mortgage insurance applies. Your usable equity is roughly that 80 percent figure minus what you still owe, subject to your income supporting the larger loan.

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

Why this matters

Two limits apply at once. The property sets a ceiling, often around 80 percent of value, and your income has to service the bigger loan. People often focus only on the property and forget the serviceability test. A broker can run both at once so you know your real accessible figure, not just the theoretical one.

The key points

Often up to around 80 percent of value before insurance.
Usable equity is that figure minus your current loan.
Your income still has to support the larger loan.
Both limits apply at the same time.

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What is your goal?

Buy a home or investment property First home, next home, or adding to your portfolio Build a house or develop land New build, renovation, duplex, or subdivision project Lower my current repayments Better rate, release equity, or restructure existing debt Finance an established commercial property Business premises or commercial investment asset

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How do you earn your income?

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Healthy No issues that I am aware of A few small marks A couple of late payments, now caught up Not sure, or it is complicated We work with specialist lenders for these situations

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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.