What is Equity Release?
Equity release is borrowing against the built-up equity in your home — usually by increasing your existing loan or adding a separate split. Proceeds fund renovations, investment properties, share purchases, or debt consolidation.
Why it matters for you
Structure matters enormously. A properly-split equity release keeps personal and investment borrowings cleanly separated — critical for debt recycling and tax deductions. A messy release mingles debts and creates ATO headaches.
Last updated: April 2026