07/09/2026
📊 Can You Use Your Home Equity to Invest in Shares?
If your home has increased in value, you may have built up **usable equity**. Depending on your circumstances and lender approval, you may be able to access some of that equity and use the borrowed funds to invest in shares.
**Example:**
Your home is worth **$900,000** and your existing home loan is **$500,000**. At an 80% LVR, the lending limit would be $720,000, meaning there could potentially be up to **$220,000 of accessible equity** before costs and subject to lender assessment.
Rather than mixing the investment borrowing with your existing home loan, a separate loan split can make it much easier to identify which debt relates to the investment.
**What about tax deductions?**
Where borrowed funds are used to purchase income-producing shares, the interest may be tax deductible. If the deductible investment costs exceed the assessable investment income, the investment may be negatively geared. Tax treatment depends on individual circumstances, so professional tax advice is important.
**But remember:** borrowing to invest increases both opportunity **and risk**. Share prices and dividends can fall, while loan repayments and interest costs still need to be paid.
🏡 **Have equity in your property and considering investing?**
We can help you understand your available equity, borrowing capacity and loan-structure options.
**Easy Money Loans**
*Simplifying Your Loan Experience*
📞 Inderjeet Singh Brar | **0449 000 124**
🌐 [www.easymoneyloans.com.au](http://www.easymoneyloans.com.au)
*Credit criteria, fees and lender conditions apply. This is general information only and does not constitute financial, investment or tax advice.*
