Leverage Your Home Equity to Build Your Property Portfolio
If you own a home, your equity could be the key to purchasing another property or upgrading your current one, without selling or dipping into your savings. Many investors are already tapping into their equity to expand their portfolios in todayās market.
At Fortuna Finance we work with you to access your equity and arrange loan solutions designed around your needs, so you can stay ahead in the current property market.
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Why 2025 Is the Time to Leverage Your Equity
Property remains one of Australia’s most proven wealth-building strategies. Residential real estate can offer capital growth, rental income that helps service your investment loan, and potential tax benefits through negative gearing.
Hereās why 2025 presents a potential opportunity for investors ready to put their equity to work:
Capital City Price Growth
National home values rose by 6.2% over the year to September 2025, with capital cities hitting record highs. For homeowners, that means more equity available to leverage toward your next investment.
Investor Activity is Surging
Investor lending is nearing decade highs, approaching levels last seen in 2022. Investors now make up the largest share of new lending since 2017, a strong indicator that investors are actively re-entering the market and competing for high-growth assets.
Refinancing at Record Levels
More homeowners are leveraging equity through refinancing than ever before. Refinancing activity is extremely strong currently, with borrowers restructuring their loans to fund new property purchases and improve overall cash flow.
Rate Cuts Improving Borrowing Power
The RBA cut the cash rate to 3.60% in August 2025, with further reductions expected. Lower interest rates mean increased borrowing capacity and reduced holding costs, key advantages for investors looking to act now.
Recent Government Changes You Should Know
The government has expanded the First Home Guarantee Scheme, making it significantly easier for first-home buyers to enter the market.
The First Home Guarantee Scheme expansion (as of October 1, 2025) has:
- ļRemoving property price and deposit caps
- ļWaiving LMI for deposits as low as 5%
- ļBroadening eligibility across income brackets
Why This Matters For Investors:
These changes are increasing competition in affordable, high-growth areas, the same suburbs often targeted by investors. As more first-home buyers enter the market, property prices may rise and stock may tighten, making it harder to secure well-positioned investments. Acting early gives investors the opportunity to stay ahead of this demand and capitalise before further price growth occurs.
Make Your Equity Work Smarter
š” Use equity as a deposit š Fund your next investment š Refinance and reposition
We guide you from start to finish, with expert advice that’s always aligned to your goals.
What is Home Equity?
Home equity is the difference between your home's current market value and the outstanding balance on your mortgage. For example, if your home is worth $600,000 and you owe $250,000 on your loan, you have $350,000 in equity.
The best part? You donāt have to sell your home to put this equity to work.
How Does Leveraging Equity Work?
Banks typically lend up to 80% of your homeās value minus what you owe on your mortgage. Sometimes, you can borrow more, but this often requires paying Lenderās Mortgage Insurance (LMI), which adds to your costs.
For example, if your home is valued at $500,000 and you owe $175,000, your lending equity could be calculated like this:
- 80% of $500,000 = $400,000
- $400,000 minus $175,000 (your mortgage) = $225,000 lending equity available
This $225,000 can be used as a deposit on an investment property, helping you preserve your cash savings while growing your portfolio.
Perth Market: Strong Prospects for Investors
The Perth property market is showing signs of opportunity with a limited supply of homes available to buy or rent. Combined with ongoing skills shortages and increased migration to Western Australia, demand for property remains strong.
If youāre considering investing in Perth, leveraging your home equity now can help you take advantage of these favourable conditions.
Why Invest in Our Advice?
Accessing your home equity often means refinancing your current loan to free up funds and then securing an investment loan for the remaining purchase price. However, having the right loan structure in place is crucial, because lenders typically design loans to minimise their own risk, not necessarily yours.
This is where Fortuna Finance makes a difference. Our team will review your finances, explain the value of your lending equity, and guide you through structuring loans tailored to your situation.
Whether you want to upgrade your home, leverage equity, or build your property portfolio, we work with a wide range of lenders to find home loan options that work for you. We simplify the process, manage the paperwork, and negotiate on your behalf to secure the best possible terms, making it as easy and stress-free as possible.
Ready to Build Your Property Portfolio? Contact Fortuna Finance today.
Book your consultation now and start building your property portfolio the smart way.
Alana Magee
Managing Director of Fortuna Finance
Alana Magee brings over 16 years of lending experience, with a diverse background spanning retail, medico, and business finance sectors. Renowned for her ability to deliver results where others struggle, Alana manages everything from residential loans to complex commercial finance strategies. Her expertise includes business acquisitions, property investment, cash flow management, and business recovery and restructuring, utilising both mainstream and private lending solutions.
Since founding her first finance company in 2016, Alana has led with a client-first philosophy, treating every clientās goals as if they were her own. Beyond her leadership role at Fortuna Finance, she is a passionate mentor with Future Female Leaders, committed to empowering businesses and nurturing the next generation of women leaders.
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Disclaimer: Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.