24/08/2026
Just Financed: Turning Home Equity into a Smarter Family Investment
This Queensland family reached out to review their home loan and explore their equity. They'd bought their first home through the Government's 5% deposit scheme two years ago, and the property had since grown in value by around $200,000.
With a new baby at home and a work-provided car that came with restrictions, they wanted their own family vehicle. They also had property jobs to tackle, including a retaining wall and tree removal.
Their first thought was a separate car loan. But with a new baby in the picture, cashflow matters more than ever, and a car loan over five to seven years is a different commitment to a mortgage.
So we looked at the whole picture instead.
We restructured their home loan to remove the Government guarantee from their original scheme, then accessed their equity to fund 100% of their new family vehicle, without a separate car loan. That portion of the loan was set over a shorter term, since it made sense to pay off an asset like a car faster rather than stretching it out over decades. We also built in funds for the property improvements they'd been putting off.
Along the way, we found a better option with a different lender when the cost of a new valuation with their existing bank didn't stack up, saving them money in the process.
The result: one loan structure, one clear strategy. A family car, a backyard ready for a growing family, and a stronger financial position heading into their next chapter, including their plans to grow their own business.
Our favourite part? The ute was picked up on their baby's first birthday. Sometimes the timing just works out.
If your home has grown in value, get in touch. It's often more than people expect.
Case study based on a specific client outcome. Individual circumstances vary, and lending outcomes depend on your financial position, lender policy and market conditions.
