EP 153 - Unlocking Equity: How to Access It and Leverage It to Grow Your Portfolio

Following last week's episode on the RBA's recent rate drop, Neil Gibb dives deeper into the practical side of property investing — specifically equity: what it is, how to access it, and how savvy investors use it to scale their portfolios. In this solo episode, Neil unpacks what equity really means (without the fluff), how banks calculate how much you can access, and the pitfalls of getting caught in the cycle of never-ending debt. Whether you're sitting on unused equity in your home or looking to gear up for your next investment, this episode breaks it all down into simple, actionable insights. We cover: What equity actually is (and what it isn't) How much of your equity is actually accessible The difference between total equity and usable equity What a "cash out refinance" looks like in practice Why pulling equity doesn't trigger capital gains tax The role of serviceability in accessing new funds Why valuations differ for HMO properties What commercial valuations cost — and why they matter How experienced investors safely leverage growth without overextending Whether you're a seasoned investor or just starting out, understanding how to safely and effectively tap into equity can supercharge your property journey.   🔔 Subscribe and turn on notifications so you never miss an episode! 👉 FOR MORE INFORMATION Want help with your investment strategy? Reach out to us for a free, no-obligation initial chat with our team and see how we can help you with your investment journey. Book now: https://calendly.com/jose-hmo/15min?month=2023-03 Join the Perth HMO and NDIS High Cashflow Investment Properties Facebook Group: https://www.facebook.com/groups/190469198815181/ 👉 THE HMO PROPERTY CO Website: www.thehmopropertyco.com Instagram: @the_hmo_property_co Facebook: The HMO Property Co LinkedIn: The HMO Property Co YouTube: The HMO Property Co TikTok: @thehmopropertyco_ Spotify: The HMO Property Show Apple Podcasts: The HMO Property Show Living Rooms: https://livingrooms.com.au/ Disclaimer: Nothing on this channel should be considered tax, financial, investment or any kind of advice. Everyone should do their own due diligence as only a professional diagnosis of your specific situation can determine which strategies are right for your situation. Our goal is to frequently feature edgy and actionable value, thought leadership and property/investment strategies.