Equity Release

Equity Release is an exciting and innovative wealth creation system available through Optimise. It lets you unlock your home equity so you can start investing today. Plus, it can also help you create efficient debt (including tax deductions) and reduce your home loan - all at the same time!
 
Equity Release achieves these outcomes without the massive risk associated with other forms of investment borrowing such as residential investment properties.

Our Equity Release is an integrated solution that includes our investment Core Plus Portfolios, cash flow management, and debt management services.

Realise your potential today with Equity Release!

Equity Release Case Study

Andrew & Sarah are married with a young family. They own a home worth approximately $650,000 with an outstanding home loan of about $350,000 and no other debts.

Andrew earns $95,000 per annum, and Sarah is working part time earning about $25,000 per annum. Their household expenses are $48,000 per annum (excluding loan repayments) and they believe they have an income surplus of $12,000 per annum. 

Both Andrew & Sarah are keen to create wealth and want to know what would be a better strategy, paying off their home loan with their surplus income and investing later or pursuing our Equity Release strategy.

They would be comfortable borrowing about $100,000 for investment purposes. 

Increasing their total borrowing to $450,000 and using just some of the investment, cash flow, and debt management techniques within our Equity Release strategy, we projected they would achieve the following benefits:

Assumptions: Inflation rate of 2.70% per annum with income and expenses growing at inflation, a factored growth return on their investments of 6.39% per annum and in income return of 2.39% per annum with a franking level of 42% on the income return. Past returns are no guarantee of future returns. A home loan interest rate of 7.39% per annum has been used. We have not taken into account any loan fees, advice fees, service fees, establishment fees, or capital gains taxes, which would alter the results. Advice and information on this page is intended as a guide for you to consider when thinking about your financial situation.  It does not take account of your personal circumstances.  Therefore, consider it together with your overall circumstances before making a decision about your financial future.  Alternatively, come in and speak with us about how we can help.

Advice and information on this page is intended as a guide for you to consider when thinking about your financial situation.  It does not take account of your personal circumstances.  Therefore, consider it together with your overall circumstances before making a decision about your financial future.  Alternatively, come in and speak with us about how we can help.

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