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.
Heroes On Standby For your every needs!
Book a hero today for heavy lifting. Our specialists find the right deal and secure your dream house faster and with less stress.
Contact NowRate Audit
Send your latest statement. We work out your real cost — rate, fees, offset, redraw — and what the same lender is offering new customers today.
Two offers
We ask your lender to match the market and take the file to the panel. You see both numbers, with break costs and switch fees included.
Switch or stay
If moving wins, we handle the discharge end to end. If staying wins, you keep the new rate and we still get paid nothing extra.
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.
