Calculate Your Home Equity and See How You Can Use It Today

Find out how much equity you may be able to access from your home loan.

Quickly calculate how much equity you could cash out

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Access Equity with Ease

Imagine turning your home loan from a monthly expense into a powerful financial resource. With every payment you make, you’re building up equity in your home, and that equity can be put to work for you.

Loads of Options

Unlock the potential of your home with the equity you’ve built. It’s the portion of your property’s value that’s fully yours, ready to use. Whether it's funding a renovation, securing a new property, or consolidating debt, find out how much you can access today.

We Help Unlock Equity

Our Home Loan Refinances specialists provide a complimentary property report to help you discover if you can boost your equity, ensuring you unlock the full potential of your property.

Sit Back & Relax

We take care of everything for you — from preparing your application to negotiating with the banks — ensuring a smooth process that maximizes your chances of fast approval, all with minimal effort on your end.

What is Home Equity?

Home equity is the difference between the current market value of your property and the amount you still owe on your home loan. As you pay down your loan and your home’s value increases, your equity grows.

Your accumulated equity opens up a world of opportunities:

Reduce debt: Consolidate high-interest debts and pay them off faster with a lower-rate equity loan.
Renovations: Transform your home and increase its value.
Investment Property: Use your equity as a deposit for a new investment.
New Car: Drive away in that new car you’ve been dreaming about.
Dream Vacation: Take your family on that once-in-a-lifetime trip.

Calculate Your Home Equity

We negotiate with 70+ the major lenders on your behalf to get you a great rate loan

ZIP, ZILCH, NADA

We don't charge to help you access your home equity.

Using Fortify Loans to access your equity is a complimentary service. We do not charge you a thing. Read that again. No costs from us.

When you use a broker to help find a better rate, refinance or unlock your home equity we get paid by the banks once the loan settles. So calculate your equity now and we will let you know what you can access and how much you could save on a refi to access it.

Want more? Well, when you deal with us, you get a dedicated Mortgage Broker to manage the entire loan process for you.

Calculate Your Home Equity

DON’T JUST TAKE IT FROM US

Things people say about us

    
 
 
       Posted on Google  
   
   Kim Woulleman 
 
 
 
 Trustindex verifies that the original source of the review is Google. Riley May at Fortify is fantastic. He made the whole process of refinancing   so simple for us. His friendly nature and an abundance of patience when it came to my many questions was amazing. Thanks Riley 😊
  
 
      Posted on Google  
   
   Tegan Hailey 
 
 
 
 Trustindex verifies that the original source of the review is Google. I couldn’t be happier with the service we received from Kaya at Fortify Loans. From the very beginning, he was professional, knowledgeable, and incredibly responsive. We were working against a tight deadline to have everything finalised before the end of the financial year, and he went above and beyond to make it happen. I highly recommend his services. Thanks again for making it happen!
  
 
      Posted on Google  
   
   brit jenkins 
 
 
 
 Trustindex verifies that the original source of the review is Google. We recently worked with our financial adviser Cam to refinance an existing commercial loan and structure it alongside our new investment loan. The advice and support throughout the process were outstanding.
  
 
      Posted on Google  
   
   Linc Reynolds 
 
 
 
 Trustindex verifies that the original source of the review is Google. I was recommended Cam Brumby by a mutual friend, and it is genuinely hard to put into words just how good he was throughout the entire process. Cam helped navigate tricky visa issues, lender complications and guarantor requirements, all on very short notice. That saga alone would have been enough for a five star review. On top of that, I unknowingly brought an incredibly difficult ( putting it lightly ) conveyancer into the process which made the final few weeks before settlement far more stressful than they needed to be. Cam was forced to deal with problems that really were not necessary nor part of his job description and handled it with complete professionalism, patience and persistence. He went above and beyond effectively guiding the process through to the very end when I was completely lost and unsure what to do ( along with my conveyancer…) I can honestly say I would not have ended up with our house if it were not for Cam’s help. He was also incredibly responsive and upbeat throughout everything. Over Easter, weekends and while he was away. I must have emailed him what felt like a thousand times and he always got back to me quickly and calmly. Writing this review doesn’t do justice to just how helpful, approachable and reassuring he was. I hope whoever reads this has a smoother case than mine but if your situation is difficult or complicated I can guarantee you will be in the best possible hands with Cam. I cannot recommend him highly enough.
  
 
      Posted on Google  
   
   Hayden Miller 
 
 
 
 Trustindex verifies that the original source of the review is Google. Can’t rate Riley highly enough, always more than happy to help! He is knowledgeable and reliable, wouldn’t go past his services!
  
 
      Posted on Google  
   
   jake vincent 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kaya was awesome to work with. He provided real time updates and every question we had he supported us through. The loan we required was somewhat complex but Kaya did a great job of keeping us informed and clearly explaining our options.
  
 
      Posted on Google  
   
   Sidney Vincent 
 
 
 
 Trustindex verifies that the original source of the review is Google. We recently refinanced through Kaya and honestly couldn’t recommend him more highly. He made the entire process feel incredibly easy and stress-free — definitely the smoothest refinancing experience we’ve ever had. He was professional, friendly, laid-back, and kept us updated regularly throughout the whole process so we always knew what was happening. Nothing ever felt too hard and he was always happy to answer questions. Such a genuinely nice guy and someone we’d happily recommend to anyone looking for a mortgage broker!
  
 
      Posted on Google  
   
   Jordan Cooke 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kaya Geale from Fortify Loans was amazing throughout the entire process of buying our first home. Great communication went above and beyond to contact us, real-estate agents and conveyancers whenever required! Gave us great information and ideas that best fit our position! Thanks again, will definitely recommend to anyone looking for a loan to here!
  
 
      Posted on Google  
   
   misssstars 
 
 
 
 Trustindex verifies that the original source of the review is Google. We cannot recommend Kaya highly enough! Kaya has been our broker since we purchased our first home three years ago, and from day one he has gone above and beyond for us. Even after settlement, he continued checking in every six months to see how we were going, knowing our long-term goal was to purchase an investment property. That level of genuine care and ongoing support is something you rarely find. Most recently, Kaya helped us refinance and secured us an unbelievable interest rate that we honestly didn’t think was possible. We are now in the planning stages of purchasing an investment property in the next 12 months, and we wouldn’t trust anyone else to guide us through that process. No question was ever too silly, and Kaya always took the time to explain everything clearly in a way we could understand, making what can be a very overwhelming process feel simple and stress-free. He even went the extra mile to assist us in finding a great insurance company for our home insurance — proof that he genuinely cares about helping his clients beyond just the mortgage side of things. If you are looking for a broker who is knowledgeable, responsive, patient, and truly invested in helping you achieve your financial goals, Kaya is your guy. Highly, highly recommend!
  
 
      Posted on Google  
   
   Victoria Ling 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kaya was fantastic to work with throughout the whole process. He was incredibly honest with his recommendations when it came to different banks, which made it much easier to feel confident in the decisions I was making. He was also very prompt in getting back to me whenever I had questions, which I really appreciated. What stood out most was how well he explained everything—he broke down complex concepts in a clear and simple way, helping me understand my options and make informed choices. On top of that, he has great contacts and was able to connect me with the right people for other aspects of purchasing a property. I’d highly recommend Kaya to anyone looking for a reliable, knowledgeable, and supportive broker.

Want to talk to a real person?

Got questions that you want answered? Feel free to give us a call. Click the button below and speak to one our experience brokers.

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FAQs

Your equity is the difference between your property’s current market value and what you still owe on your home loan. We’ll help you estimate this by providing a free property report and reviewing your current loan.

Plenty of things! Some of the most common uses include funding renovations, buying an investment property, consolidating debt, or covering big life expenses like a new car or holiday.

In most cases, yes. Refinancing helps unlock your equity by restructuring your loan to reflect your updated property value and borrowing needs. We’ll walk you through the options to make sure it’s worth doing.

Generally, lenders will let you borrow up to 80% of your property’s value, minus whatever you still owe. Every situation is different though, so we’ll take a look at your property, goals, and lender policies to give you a clear answer.

It can, depending on how much you borrow and how your new loan is structured. That said, we’ll always look at your budget and run the numbers so you can make an informed decision. No surprises.

IMPORTANT INFO

Fortify Loans Pty Ltd (ABN 51679738786 and Credit Representative Number 546469) is authorised under Australian Credit Licence 384324.

*Individual lenders may charge fees to the customer.

This website provides general information only. Our content does not constitute legal, tax or financial advice and has been prepared without taking into account your objectives, financial situation or needs. You should always consider whether any loan or financial decision is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product.

All applications are subject to lender assessment and approval. Cashback offers may be provided by some lenders and may only be available for particular products, terms and conditions apply.

Any information provided does not constitute an offer of credit and are examples of what may be available to you based on the information available. It does not take into account any product features or any applicable fees. Lending criteria and the basis upon which we assess what you may be able to afford may change at any time without notice. For Fixed Rate home loans, break costs may be payable which can be significant if you change the whole or part of your fixed rate loan or where additional or early repayments are made during the fixed rate period.

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ACKNOWLEDGEMENT OF COUNTRY

In the spirit of reconciliation, we acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today.