“Just 12 months in, my property’s already appreciated by over 15%, and I’m set up with a clear plan for my next one.”
- Lauren van Nieuwmans
Buy Your Next Investment Property Without Touching Your Savings
Use the equity already sitting in your home instead. Simple, honest, no obligation. Tell us a bit about yourself and we’ll be in touch to talk through what’s actually possible for you.
Get your equity questions answered, free
No obligation. We’ll never sell your details.
“They put your best interests first, treat you like their own, and help you in every way possible.”
- Sean Bear
What our clients actually say
Use your equity well, and you’ll see:
It’s not complicated, it just needs to happen in the right order. We work out what your equity can genuinely release, find a property with real upside, and set it up so that property can help fund the next one.
You invest with equity you've already built, not money out of your pay cheque or your savings account.
Every year spent saving a second deposit is a year you're not building a second income stream.
Equity in a second property can eventually help fund a third. Starting earlier gives that compounding more time to work.
★★★★★
“At each step in the whole process they were highly knowledgeable and made sure I always felt like a priority.”
Harry Gray - used equity from property #1 to build a $2.5M portfolio
Your equity has been growing. It just hasn’t been doing anything.
If you bought five or ten years ago, two things happened without you doing much at all. The market moved, and your loan balance came down.
The gap between those two numbers is your equity. For most homeowners, it’s now the biggest asset they have outside super.
It’s also the one asset most people never touch. It just sits there.
Property value↑
Loan balance↓
Your equityGROWS
Every year it sits still is a year it could have gone toward your next property, the one that goes on to help fund the one after that.
Most people don’t leave it sitting on purpose. They leave it sitting because nobody’s ever shown them the numbers.
What is equity, Exactly?
Equity is the part of your home you actually own.
Take what your property is worth today, subtract what you still owe on it, and what’s left is your equity.
So if your home is worth $900,000 and you owe $420,000, you have $480,000 in equity.
Most people stop there, but you can’t actually use all of it. What matters for using equity to buy an investment property is your usable equity, which is a smaller number.
Example
$480,000
equity in your home
Property value today$900,000
Remaining loan− $420,000
Total equity$480,000
$300,000
potential useable equity
80% of $900,000$720,000
Minus $420,000 loan$300,000
The 80% figure is a general guide, not a rule. Every lender assesses differently, and your income, expenses and existing commitments all change what’s genuinely available to you. The number our report gives you is an estimate to start a conversation, not a lending decision.
How Much Can You Actually Access?
Most lenders will let you borrow against your home up to about 80% of its value without you paying lenders mortgage insurance.
That $300,000 isn’t cash in your pocket. It’s borrowing power secured against your home, and in most cases it’s more than enough to cover the deposit and purchase costs on an investment property, without touching your savings.
Which answers the question we get asked most, how much deposit do you actually need for an investment property? Often, none. You may already have one. It’s just sitting in your home instead of a savings account.
Get My Questions Answered“I’m at a financial position I could never even dream of.”
- Darcy Hart
“Without them, we wouldn’t be where we are now.”
- Sean Garvan
4.8
Trustpilot rating
52
Verified reviews
9,600+
Social followers
25+
Years in property
Ratings and review counts sourced directly from Trustpilot, correct at time of publishing.
Does This Sound Like You?
We’d rather be upfront about who this suits than waste your time.
✓
Yes, I own my home and have equity I've never used
✓
Yes, I want to buy an investment property without touching my savings
✓
Yes, I've got stable income and I'm comfortable with a long-term horizon
✓
Yes, I want a plan and a team, not a hot tip
This probably isn’t your moment if you’ve owned your home under two years, your borrowing capacity is already stretched, or you’re after a quick flip rather than a long-term plan. If that’s you, no hard feelings, come back when the timing’s right.
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Equity is the difference between what your property is worth today and what you still owe on it. If your home is worth $900,000 and your loan balance is $420,000, your equity is $480,000.
“I’ve seen too many people leave equity sitting in their home for years, because nobody ever showed them the numbers. I started Propell so people could actually use what they’ve already built, without the sales pitch.”
Michael Pell, Managing Director & Founder
Let’s Find Out What Your Equity Can Do
Step #1 is a quick form. Tell us a bit about your situation and we’ll be in touch to talk through your options.
No credit check. No obligation.
Get my questions answeredAbout Us
We started Propell 10 years ago with a simple belief: investing doesn’t need to feel as out of reach as it does for so many people. It doesn’t need to feel like a gamble. It should feel more like a plan.
Learn More“They stood out as a team who genuinely want to see their customers succeed in creating wealth.”
- Jonah Ruuskanen
“They stood out as a team who genuinely want to see their customers succeed in creating wealth.”
- Jonah Ruuskanen