How to make the most of the equity in your home
For doctors, dentists and vets, your home is often your first major investment—and a silent supporter of everything you’re building. But between long hours, shifting rosters and financial decisions that always seem to come second to patient care, it’s easy to let opportunities sit idle.
One of the biggest missed opportunities? Equity. The value in your home could be doing more for your future—but only if you know how to use it.
What equity really means (and why it matters)
Equity is the difference between your home’s market value and what you still owe on your loan. It builds over time—through property growth and the effort you’ve put into paying down your mortgage.
It’s your financial foot in the door to bigger possibilities: an upgraded home, an investment property, or simply more financial breathing room. But most professionals in medicine, dentistry and veterinary care don’t have time to research the best way to use it.
“My clients are often surprised at how many options they had available with their equity,” says Nick Tagg, residential lending specialist at Credabl. “Equity can make a huge difference to your options—whether you're planning a bigger home, a smarter investment or just want to feel a little more in control.”
4 signs you’re ready to explore your equity;
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Your property’s value has increased since you bought it
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You’ve been paying down the principle on your mortgage for a few years
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You’re thinking about upgrading, renovating or accessing cash for investing
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You want to consolidate debt or improve cashflow
What Credabl can help you do;
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Access a portion of your equity for a deposit or renovation
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Buy your next home before you sell your current one
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Start your property investment journey with smart structure
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Refinance or restructure for tax efficiency and flexibility
Is now the right time?
Using equity can be a savvy way to get ahead, especially if you're leveraging it to buy in a market that continues to grow. But it's not one-size-fits-all. How much you can borrow, what it costs and how it fits into your long-term plans all depend on your individual circumstances.
That’s where a conversation with a Credabl specialist can help. We’ll assess your current loan, review your property’s value, and talk through your goals—whether that’s your next family home, an investment property, or simply unlocking more flexibility with your finances.
Want to take the next step? Reach out to our team today.
