Investment Property Loans › Can I use the equity in my home to buy an investment property?

Can I use the equity in my home to buy an investment property?

Yes, and many investors do. You can release equity from your own home to fund the deposit and costs of an investment property, rather than using cash, subject to your borrowing capacity and the lender.

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

Why this matters

Using home equity is the most common way Australians fund a first investment property. It can let you invest without saving a fresh deposit, but you are borrowing more, so the repayments and interest grow. Structuring the equity release as a separate loan, rather than tangling it with the new purchase, keeps things clean for tax and future flexibility.

The key points

Home equity can fund the deposit and costs.
It can let you invest without saving fresh cash.
You are borrowing more, so interest grows.
A clean structure protects tax and flexibility.

Free, no obligation

Plan your next investment property

Answer a few quick questions and we can map your equity and borrowing options across a panel of more than 70 lenders. No cost, no obligation.

Check Your Options

A few quick questions, no obligation.

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

Tell us a bit more about the plan

How do you earn your income?

Standard salary or wage Full-time, part-time, or casual employment (PAYG) Self-employed or business owner Sole trader, company director, or contractor

How is your credit score?

This helps us match you to the right lender from the start.

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

Last step. Where should we send your options?

Your information is private and we will never share it.

First Name

Last Name

Email Address

Australian Mobile Number

By submitting, you agree to be contacted by one of our team of licensed mortgage brokers. No obligation. No spam.

You're all set.

We've received your details. One of our friendly brokers will reach out within 1 business day to help guide you through your options.

More investment property loans questions

Back to the full Investment Property Loans guide

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.