On this Monday education session of Wealth Coffee Chats, we tackle one of the biggest fears in property investing: “What if I lose my home?”

For many homeowners, the idea of using equity to invest feels risky. More debt. More interest. Longer loan terms. Rising rates. It can feel like you’re moving backwards instead of building wealth.

But what if the issue isn’t using equity — it’s how you structure it?

In this episode, we break down:

Why fear stops people from accessing their home equity
The common mistakes that make investing feel unsafe
What cross-collateralisation is — and why it can put your home at risk
How the “all-monies clause” can limit your flexibility
Why using one bank for everything isn’t always the safest option
How to structure loans across separate lenders to protect your assets
How equity is calculated (80% LVR explained simply)
A real-world scenario showing how growth can help recycle equity
How to create flexibility and control while protecting your home

We walk through a practical example of releasing equity correctly, building a “brick wall” between properties, and setting up a structure that allows growth to eventually pay down non-deductible debt.

The key takeaway?
It’s not about taking on reckless risk. It’s about structuring smartly, protecting your home, and creating flexibility for the future.

If you’ve ever worried that using equity means gambling your family home, this episode will help demystify the strategy and show you how it can be done safely and effectively.

As always, if you’d like to explore how this applies to your own situation, reach out to the advisory team for a personalised discussion.

Have a great week ahead!