Book a Hero
You have more available than you think. Use it carefully.
Equity Guardian values what you have properly, releases only what you actually need, and structures the rest so one property never puts the others at risk.
80%
Typical usable LVR
3
Valuations we chase
$0
Cost to you
Who Equity Guardian is for
Renovation, investment, a business injection, or the next place before this one sells.
Book Equity Guardian if
You want to fund a renovation without a personal loan
You are buying an investment property using existing equity
You need a bridging position between buying and selling
Your last valuation was years ago and prices have moved
You want the properties cross-collateralised as little as possible
Ask for someone else if
You only want a cheaper rate — that is Rate Renegade
You do not own yet — that is Hearth Hero
The security is commercial — that is Capital Titan
If the plan over-leverages you, we will say so before a lender does. Protecting the equity is half the job.
Three Steps From First Call To Approved
Three steps. You have one conversation; we handle the lenders, the paperwork and the chasing.
Contact NowValue it properly
Equity is worth what a lender says it is, not what the listings say. We work out which lender's valuation method suits your property before anything is ordered, because the spread between them is often six figures.
Structure the release
We set the release up as its own split rather than folding it into your existing loan, so the new money is visible and repayable on its own terms. Where we can, we keep your properties on separate securities.
Draw it when you need it
Funds land as a lump sum or a facility you draw against, depending on what you are doing. Renovations that need staged payments get set up that way from the start rather than refinanced twice.
They used what they already had
No personal loans, no credit cards, no cross-collateralised mess.
Our bank valued the house $140,000 lower than the lender Marcus took us to. That difference paid for the extension.
KD Kate & Ross D.Renovation · NewcastleHe talked me down from releasing the full amount. Twelve months later, when rates moved, I understood why.
AV Anthony V.Investment purchase · BrisbaneWe bought before we sold and it did not keep me awake. The bridging position had a written exit from day one.
HS Helen S.Bridging · Canberra
What people get wrong about equity
Mostly that available and sensible are the same number.
Usually up to 80% of the property's value minus your current balance, without paying lenders mortgage insurance. Above 80% is possible but the insurance premium often outweighs the benefit — we show you both figures.
Different situation? Different hero.
Same free call, same panel of 40+ lenders.
