01/09/2026
Pulling equity out of your home? There's a common mistake that has people making repayments on money they haven't even spent yet. 👇
If you refinance equity out and keep it as a principal-and-interest loan, you're stuck making monthly repayments before you've even found a property to buy.
A smarter way to be "ready to go": withdraw the equity ($100k, $200k, $300k) as a separate split, park it in an offset account, and keep that loan interest-only. While it sits fully offset, you're not making repayments on it, and you can hold that position for up to 5 years (depending on your lender).
Then, when the right property comes along, you're ready to move fast. No waiting.
💬 Thinking about accessing your equity? Have a chat with our team.
General information only. Not financial or credit advice. Every situation is different, so please seek advice specific to you.