Equity Release Loans
Your home isn’t just a place to live — it’s also one of your most powerful financial assets. Over time, as you pay down your mortgage and property values rise, you build equity. With an equity release loan, you can unlock that value and put it to work — without having to sell your property.
At Lendco Finance, we help Australians access their home equity in smart, sustainable ways. Whether you want to renovate, invest, consolidate debt, or fund personal goals, our brokers connect you with competitive equity release options from over 60 lenders. Based on the Gold Coast and servicing clients nationwide, we take the complexity out of the process and ensure your loan structure supports both your short-term needs and long-term financial wellbeing.
What Is an Equity Release Loan?
An equity release loan (sometimes called a cash-out refinance) allows you to borrow against the equity you’ve built in your home. Equity is simply the difference between your property’s market value and the amount you still owe on your mortgage.
For example, if your home is worth $800,000 and your loan balance is $400,000, you have $400,000 in equity. Depending on your circumstances, a portion of that equity can be released as usable funds.
Why Release Equity?
Releasing equity can provide funds for a wide range of purposes, including:
Renovations & Extensions – Upgrade kitchens, bathrooms, or add space to increase property value
Investment Opportunities – Use equity to purchase an investment property or grow your portfolio
Debt Consolidation – Pay out personal loans or credit cards and roll them into your home loan at a lower rate
Education & Lifestyle Costs – Cover education fees, weddings, or other major expenses
Business Funding – Provide working capital or expansion finance for a business venture
An equity release loan can be one of the most flexible and cost-effective ways to access funds, as interest rates are typically lower than other types of credit.
Why Choose Lendco for Equity Release Finance?
Access to 60+ lenders with diverse equity release loan products
Tailored structures that align with your financial goals and borrowing capacity
Competitive rates negotiated on your behalf
Guidance on responsible borrowing to avoid overextending
Clear explanations of how equity release impacts your mortgage and repayments
We don’t just arrange loans — we make sure your decision is the right one for both today and tomorrow.
The Equity Release Loan Process
Assessment – We calculate how much equity you have and discuss your goals.
Compare Lenders – Our brokers search across the market to find suitable options.
Negotiate Terms – We secure a competitive rate and loan structure that supports your needs.
Approval & Settlement – Once approved, you gain access to funds and continue with your regular mortgage repayments under the new structure.
Ongoing Support – We keep in touch to ensure your loan remains competitive as circumstances change.
Broker vs Bank: The Difference
Banks may only offer limited options — often tied to strict policies about how much equity you can release and what it can be used for. At Lendco Finance, we compare a broad range of lenders, including those with more flexible policies, to maximise your options. We also structure your loan to ensure it doesn’t put unnecessary strain on your cash flow.
Power Your Business With the Right Finance
Your property could be the key to funding your next opportunity. At Lendco Finance, we make it easy to access your equity while keeping your financial wellbeing front of mind. Whether it’s for renovations, investments, or personal goals, we’ll ensure your equity release loan is competitive, tailored, and sustainable.
07 3544 6968
hello@lendcofinance.com.au
