How much equity do I need to take out a home loan top up?

Last Updated: 03 Nov 2023

If you're an owner-occupier, you'll usually need more than 20% equity in your property to be eligible for a home loan top up. If you have less than 20% equity in your property, you may be referred to our credit team. They will assess your application to see if you could qualify at a higher interest rate.

You can check how much you may be able to afford to top up your home loan using our home loan borrowing calculator.

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