Property Wealth Hub  ·  Finance Strategy
Module 4 of 4  ·  Finance Strategy

Advanced Finance
Strategies

Equity access, line of credit facilities, and the finance structures that experienced investors use to accelerate portfolio growth.

⏱ 10 min
📖 4 lessons
📝 Module quiz

What you will learn

Four things to understand before you start the lessons.

01
Equity access strategies

How to release equity without refinancing — using lines of credit and top-up facilities.

02
The 80% LVR rule

How lenders calculate usable equity and why you cannot access 100% of your paper gains.

03
Debt recycling in practice

Converting non-deductible PPOR debt into investment debt — the step by step process.

04
Finance for development

Construction loans, progress draws, and how finance works differently on subdivision projects.

How equity access works

Turning paper gains into real deposit capacity.

📐 Formula: (Property value × 0.80) minus existing loan balance = usable equity. On a $900,000 property with a $550,000 loan: ($900K × 0.80) = $720K. $720K – $550K = $170,000 available as a deposit for your next purchase.
$170,000
usable equity on a $900K property with $550K owing

This equity access does not require a cash deposit — it becomes the deposit for your next purchase. Combined with rental income and your borrowing capacity, one property's growth can fund the next acquisition.

✅

You are ready to begin

4 lessons, approximately 10 minutes. Complete the quiz to unlock the next module.

In this module
✓Equity access strategies
✓The 80% LVR rule
✓Debt recycling step by step
✓Development finance basics
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