Equity Release

Access the wealth in your home with Equity Release solutions from Aviser Finance, servicing Melbourne, Victoria and across Australia.

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Unlock Your Property's Potential with Equity Release

Your home is more than just a place to live - it's a valuable asset that can help you achieve your financial goals. Equity Release allows you to tap into equity that has built up in your property over time, giving you access to funds without needing to sell your home. Whether you're looking to renovate, invest in property, consolidate debt, or fund other important life goals, releasing equity from your home can provide the financial flexibility you need. Aviser Finance specialises in helping clients in Melbourne, Victoria and across Australia access home equity through tailored lending solutions that match your unique circumstances and objectives.

When you release equity from your property, you're essentially borrowing against the available equity you've accumulated through mortgage repayments and property value growth. This equity increase over the years represents real wealth that can be accessed through various loan structures. The process typically involves refinancing your existing home loan or taking out a separate loan secured against your property. The loan amount you can access depends on several factors, including your property's current value, your existing mortgage balance, and your loan to value ratio (LVR). Aviser Finance works with banks and lenders across Australia to access home loan options that offer competitive variable interest rate and fixed interest rate products, ensuring you receive terms that align with your financial strategy.

The equity release benefits are substantial when used wisely. Many homeowners use equity to invest in additional properties, creating an investment opportunity that can build long-term wealth. Equity for investment purposes allows you to enter the property market without needing to save a large deposit, potentially accelerating your wealth creation journey. Others choose equity for renovation, transforming their existing home to improve lifestyle and property value simultaneously. Renovation funding through equity release means you can complete home improvements without depleting your savings or taking out unsecured personal loans with higher interest rates. Additionally, equity for debt consolidation is a popular strategy, allowing you to combine multiple high-interest debts into one manageable loan with potentially lower repayments.

Understanding equity release costs and equity release risks is essential before proceeding. While accessing your usable equity provides financial flexibility, it does increase your overall debt and the interest you'll pay over time. Your loan to value ratio will increase, which may affect your borrowing capacity in the future. There are also costs associated with refinancing, including application fees, valuation fees, and potentially break costs if you're exiting a fixed interest rate loan early. However, when structured correctly, the benefits often outweigh these considerations. Aviser Finance takes time to explain all aspects of the equity release process, ensuring you understand how it impacts your financial position both now and in the future. Our team evaluates your circumstances to determine whether equity release aligns with your goals and whether the investment opportunity or other intended use justifies the additional borrowing.

The equity release application process with Aviser Finance is straightforward and supportive. We begin by assessing your available equity and discussing how you intend to use these funds. Our brokers then research suitable home loan options from banks and lenders across Australia, comparing interest rates, features, and flexibility to find solutions that match your needs. Whether you're looking for a cash out refinance, seeking to unlock property value for investment purposes, or wanting to renovate with equity, we guide you through every step. From initial consultation through to settlement, Aviser Finance provides expert advice and personalised service to clients across Australia. Our goal is to help you unlock wealth from your property in a way that supports your broader financial objectives while managing risk appropriately. Contact us today to discover how equity release could work for you.

Our Equity Release Process

1. Initial Consultation

Your equity release journey begins with a free, no-obligation chat. We take time to understand your current home loan, how much equity you have built up in your property, and what you are looking to achieve with the funds, whether that is funding a renovation, helping a family member, investing, or covering a significant personal expense. This conversation helps us understand your situation and identify whether releasing equity from your home is the right move for you.

2. Review of Your Current Loan and Property Position

We take a close look at your existing home loan, including your current interest rate, remaining term, outstanding balance, and the estimated value of your property. The difference between what your home is worth and what you owe is your usable equity, and understanding this figure is the starting point for everything that follows. We also identify any break costs, discharge fees, or early exit penalties that may apply to your current loan.

3. Financial Assessment

We conduct a thorough review of your income, expenses, assets, and liabilities to confirm your borrowing capacity and determine how much equity you are able to release. Most lenders will allow you to access equity up to 80 percent of your property value without requiring lenders mortgage insurance, and this assessment ensures we have a clear picture of what is available to you. You will typically need your driver's licence, recent payslips or tax returns, bank statements, your current loan statements, and a recent council rates notice.

4. Strategy Development

We develop a tailored equity release strategy based on your goals and how you intend to use the funds. For those funding a renovation we consider whether a construction loan or a cash-out refinance is more appropriate. For those helping a family member or covering a personal expense a straightforward increase to the home loan limit may be the simplest solution. We also consider whether an offset account or redraw facility could give you flexible access to the released funds while minimising the interest you pay, and whether a principal and interest or interest-only structure best suits your circumstances.

5. Loan Recommendations

We present clear, easy-to-understand options showing exactly how releasing equity would affect your loan balance, monthly repayments, and total interest payable over the life of the loan. We compare variable versus fixed rates, offset account options, and redraw facilities, all explained in plain English so you can see the full impact of each option and make a confident, informed decision with no pressure and no jargon.

6. Application Preparation

Once you have selected your preferred option, we handle all the paperwork and prepare your application carefully before submission. We liaise with your existing lender to obtain a full payout figure and coordinate with valuers to arrange a formal valuation of your property, which is typically required when releasing equity. Our team checks every detail to give your application the best possible chance of approval.

7. Lender Negotiation

We submit your application and manage all communication with the new lender on your behalf. Our established relationships with banks and financial institutions often allow us to negotiate better rates and terms than you may be able to access directly, and we keep you informed throughout the entire process.

8. Settlement and Access to Funds

We coordinate the discharge of your existing home loan and the settlement of your new one, ensuring the transition is seamless and the released funds are available to you as quickly as possible. We review all final loan documents with you, explain the new terms clearly, and make sure you are comfortable before anything is signed. We remain available after settlement to assist with any future finance or property needs.

About Aviser Finance

Aviser Finance is a property finance brokerage based in Melbourne. We exist to help you turn your ambitions into reality. Whether you are buying your first home, growing your investment portfolio, refinancing to save money, or exploring construction and business finance, we evaluate your circumstances and recommend the best options available to you.

We do more than find the right loan. We advocate on your behalf, present your proposal to the most suitable lenders, and manage the entire process from start to finish. You receive a personalised finance plan, explained clearly in plain English, and you are kept informed every step of the way.

Even after your loan settles, we are here to answer your questions and help you make the most of your investment. We build life-long relationships with our clients, because your goals are at the centre of everything we do.

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Client Reviews

My experience with Aviser was nothing but positive - I knew I was in safe and knowledgeable hands. Everything moved quickly and my loan was secured with minimal hassle. Thanks to the team for a seamless experience.

Rebecca Hyde

The team at Aviser were so helpful, they listened to our needs followed through. They were extremely organised and we really appreciated their attention to detail. Essentially, they looked after their end and left us to take care of ours. We would highly recommend them!

Liz Mascia

I can't recommend the team at Aviser highly enough. I appreciated Martin's in-depth knowledge, professionalism, and the time he took to answer questions (and I had many!) Information provided was always easy to understand and my options were made clear. In fact the whole experience from beginning to end ran smoothly and was stress free. I would use Aviser again in the future without hesitation.

Elle Watson

Without using an Aviser broker we feel we wouldn’t have secured a mortgage, as Avisor had the knowledge and expertise to negotiate in a way that we couldn’t. Thanks so much guys...will definitely use you again and recommend you to friends.

Rebecca Ackermann

Frequently Asked Questions

Can I refinance my existing home loan through Aviser Finance?

Yes, refinancing is one of the key services we provide at Aviser Finance. Whether you're looking for a lower rate, accessing equity for renovations or investment, consolidating debts or switching to a loan product with features that better suit you, we'll compare options across our lender panel. We'll also explain any costs involved, such as discharge fees from your current lender, so you can make an informed decision.

How long does the mortgage application process take?

Full approval, including property valuation, typically takes between two to four weeks on average. Timeframes vary by lender and how complex your situation is, and having your documents ready early helps keep things moving. If you're buying, getting your borrowing capacity confirmed first gives you a head start.

What does a mortgage broker do?

A mortgage broker acts as an intermediary between you and potential lenders. We assess your financial situation, understand your property goals and compare loans from our panel of lenders across Australia, including major banks, credit unions and specialist lenders. We then handle the research, paperwork and negotiations to get your loan approved.

What documents do I need to apply for a home loan?

Generally, you'll need proof of identity such as your driver's licence and Medicare card, recent payslips or tax returns, bank statements, and details of any existing debts and assets. Requirements vary by lender and loan type, and we'll give you a checklist tailored to your situation.

What areas does Aviser Finance service?

Aviser Finance proudly services clients throughout Melbourne, across Victoria, and Australia-wide. Whether you're in Sydney, Brisbane, Perth, Adelaide, or regional areas, we can help you with your finance needs. We meet local Melbourne and Victoria clients in person and work with interstate clients by phone and video, whether you're in metropolitan Melbourne or rural Queensland.

Locally, our Brighton team works with borrowers across the City of Kingston, including Aspendale, Bonbeach, Clarinda, Heatherton, Parkdale and nearby Bangholme; the City of Port Phillip, including Elwood, Ripponlea, Balaclava and Port Melbourne; and the City of Bayside, including Sandringham and surrounding suburbs.

What types of loans does Aviser Finance assist with?

We help with home loans for first home buyers, next home buyers and those upgrading. We arrange investment property loans for those building their property portfolio, as well as land purchases, construction loans and commercial property finance, SMSF loans for buying property through your super, and equipment finance for business owners. We also assist with refinancing existing loans, debt consolidation and accessing equity in your property. We work with borrowers who have less than perfect credit history, self-employed individuals, and temporary residents.

How much does it cost to use a mortgage broker?

For most clients, using a mortgage broker often doesn't cost them anything directly. Aviser Finance typically receives commission from the lender once your loan settles. For complex commercial lending or unique financial circumstances, a fee for service may apply, and we'll always explain this upfront before any work begins.

Why should I use a broker instead of going directly to my bank?

Your bank can only offer their own products. As a broker, we compare a much wider range of loan products from our panel of lenders to find a loan that suits your goals. We also save you time by managing the application process and following up with lenders on your behalf, while protecting your credit score from multiple enquiries.

Can Aviser Finance help me if I'm self-employed?

Absolutely. At Aviser Finance, we have extensive experience working with self-employed individuals. We understand that self-employed borrowers often face additional challenges when applying for a loan, and we work with business owners, contractors and freelancers to present their application in the strongest way. Depending on the lender, you may need tax returns, business financial statements and accountant letters, whether you're a sole trader, in a partnership, or run a company.

What is the difference between pre-approval and formal approval?

Pre-approval, sometimes called conditional approval, is an initial assessment by a lender of how much you may be able to borrow, subject to property valuation and final verification. Formal approval, also known as unconditional approval, is granted once the lender has assessed the property and confirmed all your details. We recommend getting pre-approval before you start seriously looking at properties in Melbourne or elsewhere in Victoria.