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Learn more →Home Loans Using Existing Assets in Sydney
Not everyone buys a home with savings alone. If you have shares, an inheritance, a property sale, or other assets that form part of your financial position, the way you present them to a lender matters. We compare 60+ lenders to find the ones that read your full asset position most generously.
Who this suits
Your assets can strengthen your borrowing position in ways that aren't always obvious. If any of the following sound like you, we can help:
- You have a share portfolio and want to use it as evidence of financial strength.
- You've received an inheritance and want to use it for a home purchase.
- You're selling one property and buying another simultaneously.
- You have significant superannuation and want to understand how it's treated.
- You have overseas assets and want to know if they count with Australian lenders.
- You want to use equity in an existing property to buy another.
How lenders view different asset types
Lenders don't just look at your income and deposit — they look at your overall financial position, including your assets. A strong asset position can sometimes offset a weaker income, or give you access to lenders with more generous policies. The key is knowing how each lender treats each asset type.
Some assets are straightforward — cash in the bank is cash. Others are more nuanced — shares are treated differently to property, and superannuation is treated differently again. We'll help you present your full asset position in the way that maximises your borrowing capacity.
Common asset scenarios we work with
Share portfolios
Some lenders will consider a share portfolio as evidence of genuine savings, or as a buffer that strengthens your overall position. The treatment depends on the lender — some discount the portfolio value, others use it at full value.
Inheritance
An inheritance can be used as a deposit, but the lender will want to see the funds in your account and may ask for evidence of the source. If the inheritance is recent, some lenders treat it like a gift — others are more flexible.
Equity from an existing property
If you already own a property, you can use the equity as security for a new purchase. This is one of the most common ways to buy a second property or an investment. We'll calculate your usable equity and show you how it works.
Superannuation
Superannuation generally can't be accessed for a home purchase (except through the FHSSS for first home buyers). However, some lenders consider your super balance as evidence of financial discipline and long-term financial strength.
Cross-collateralisation vs standalone loans
If you're using equity from an existing property, there are two ways to structure it. Cross-collateralisation ties both properties to the same loan — simpler to set up, but harder to unwind. A standalone loan with a separate split keeps the properties independent — more flexible, and usually the better structure.
We'll explain both options and recommend the structure that gives you the most flexibility. Generally, we favour standalone splits because they let you sell or refinance either property independently.
What it costs you
Nothing. The lender pays us a commission for introducing the loan — you don't pay us a fee. We'll tell you exactly what commission we receive before you commit, in writing, as the law requires.
Common questions
Yes, with some lenders. Shares can be used as evidence of genuine savings or as a financial buffer. The treatment varies — some lenders discount the portfolio value, others use it at full value. We'll find the most generous lender.
Yes. The lender will want to see the funds in your account and may ask for evidence of the source. If the inheritance is recent, some lenders treat it like a gift — others are more flexible about timing.
You can borrow against the equity in a property you already own. As a general guide, usable equity is roughly 80% of the property value minus your current loan balance. We'll calculate the exact figure for your property.
Generally no. We usually recommend standalone loan splits because they let you sell or refinance either property independently. Cross-collateralisation is simpler but less flexible. We'll explain both and recommend the best structure.
Generally no, except through the First Home Super Saver Scheme for first home buyers. However, some lenders consider your super balance as evidence of financial strength. We'll explain what's possible.
Let's find out what you can borrow
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