Property to make you better

If you’ve built up some equity over the years, it may be time to look at the options your property may give you.

Here are four possibilities that we can help you with:

1. You could buy an investment sooner

Borrowing against the value of your home—which is one way you can access your equity—may enable you to buy an investment sooner than if you had to save the money. Owning additional assets could help you build wealth more quickly although borrowing and investing involves risks. You will need to ensure you can maintain all loan repayments now and into the future.

Of course, you need to consider the risks involved first. For example, it’s important to understand that when you borrow against the equity in your property your overall level of debt increases. That means you’d have more financial responsibility and may also risk losing your property if you were unable to meet loan repayments.

2. Potential tax advantages

In addition to your investment potentially increasing in value over time, certain expenses related to owning the investment, including loan interest charges, are generally tax deductible. Plus, if you choose to invest in property, you may be able to claim depreciation on certain items against your taxable income.

3. A possible extra source of income in the future

Owning an investment gives you the opportunity to generate an extra source of income down the track. And certain strategies can help you pay off your home loan sooner using the income from your investments but you need to find out more to see if these are right for you.

4. Take the first step to get the right advice

While we all get tips from friends and neighbours, when a plan is this big, it’s worth talking to a financial adviser. Using property equity to invest with can be risky, but with personalised advice Ginn and Russ can develop a strategy to help you meet your financial goals.

Could you take your life to the next level using the equity in your property?
Take the first step today by contacting us on 08 8333 3388 or

What you need to know
Ginn & Associates Pty Ltd ABN 34 108 490 071 trading as Ginn & Russ is an Authorised Representative and Credit Representative of AMP Financial Planning Pty Limited ABN 89 051 208 327 AFSL 232706 and Australian Credit Licence 232706. This information does not take your circumstances into account, so read the relevant disclosure documents and consider what’s right for you. If you acquire an AMP product or service, AMP companies and/or their representatives will receive fees and other benefits, which will be a dollar amount and/or a percentage of either the premium you pay or the value of your investments. Ask us for more details.