Victor Kwong | Refinance & Cash Out: Access Your Home Equity

You Own a Home.
Your Equity Might Already Cover What's Next.

Planning a renovation, a new car, debt consolidation, or your next property? One free call. I'll tell you whether your equity can cover it, and whether there's a case for a better rate at the same time. That's usually all people need to know before deciding to take the next step.

Find Out What You Can Access

No cost · No obligation · You pick the time

5★ Google Rating
Refinance & Equity Specialist
100% Free to Use, Always
Sound familiar?

Most homeowners are in the same position.

"I don't know how much equity I have."
We'll give you a clear picture of your usable equity and what you can realistically access.
"I'm not sure if I'm on a good rate."
We compare your current rate against what's available today, and show you the real difference in dollars.
"I want to renovate but don't have the cash."
Your equity could fund it. We'll show you how to access it without blowing your overall position.
"I don't want to be locked in again."
We'll match you with the right structure: fixed, variable, or split, based on where rates are heading.
"I don't know if refinancing is worth the hassle."
Sometimes it is, sometimes it isn't. I'll give you the honest answer before you do anything.
"I want to buy an investment property."
Your existing equity could be the deposit. We'll work out if the numbers stack up before you commit.
Something most people don't know

Same property. Three different valuations.

Every bank runs their own valuation. The difference can be tens, even hundreds of thousands of dollars. That gap directly changes how much equity you can access, and at what rate.

Bank A
$800k
Property valuation
Usable equity ~$140,000
Interest rate Lowest
Monthly saving Best rate
Best for: Lower repayments
Sweet spot
Bank B
$900k
Property valuation
Usable equity ~$220,000
Interest rate Competitive
Monthly saving Strong
Best for: Balance of rate + equity
Bank C
$950k
Property valuation
Usable equity ~$260,000
Interest rate Higher
Monthly saving Smaller
Best for: Accessing maximum cash
The right bank depends on what you're actually trying to do. If you want to renovate, the higher valuation unlocks more cash, even at a slightly higher rate. If you just want a better rate and lower repayments, the conservative valuer might win. I order valuations from multiple lenders, look at all of them, and recommend the one that makes sense for your specific situation.
Common reasons to refinance

What are people using their equity for?

Equity isn't just a number on paper. Here's how homeowners are putting it to work.

Renovations
Fund a kitchen, bathroom, or full reno without touching your savings or taking out a personal loan at a higher rate.
Investment Property
Use your existing equity as the deposit on an investment property, without needing to save from scratch.
Debt Consolidation
Credit cards and personal loans often sit around 20%. Rolled into your home loan, that can come down to around 6%.
Better Rate
If you haven't reviewed your rate in the last two years, you're almost certainly paying more than you need to.
Buy a Car
Car loans typically run at 9–14% interest. If you have equity, you can fund the same purchase through your home loan at a fraction of the rate.
Fix Your Structure
Move from a structure that no longer suits you: fix your rate, split your loan, or switch to offset. Get it right this time.
Free Strategy Call

Here's exactly what we'll cover.

In one free call, you'll have a clear, honest read on where you stand and whether it's worth moving forward.

How much equity you can access
Your current rate vs what's available
Realistic cashout amount after costs
Fixed vs variable: what's right now
Break costs and exit fees, if any
Whether refinancing actually makes sense
Lenders most likely to approve you
Your clear next steps if you want to move
Impact on repayments and loan term

Find out where you stand. One free call, straight answer.

Book a Free Discovery Call
Victor Kwong — Director & Mortgage Broker at Loan Market
Victor Kwong
Director & Mortgage Broker · Loan Market
I'm Victor. I won't tell you refinancing is a great idea until I've actually looked at your numbers. A lot of brokers push refinancing regardless, because they get paid when you move. I'd rather tell you to stay put and save you the hassle. But if the numbers do make sense, I'll show you exactly what's available, handle the entire process, and make sure you're not worse off on the other side.

How we'll work together.

From your first question to settlement and beyond, here's what the process looks like.

  • Free Discovery Call

    A 15-minute conversation to understand what you're trying to do: renovation, investment property, better rate, or something else. I'll tell you upfront whether it looks like something worth exploring and what the next step would be.

  • Fact Find

    If you want to move forward, I'll send you a form to fill in. It covers your income, expenses and what you're trying to achieve. The more accurate the information, the more accurate my assessment.

  • Strategy Meeting

    Once I have your details, we go through everything properly. Your actual borrowing power, what's realistically available to you, and the specific steps to get there.

  • Document Collection and Approval

    When you're ready to move, you send me your documents and I take it from there. I research your options, choose the right lender, and lodge your application. I handle the back and forth so you don't have to follow up with anyone.

  • All the Way to Settlement

    After approval, I manage everything through to settlement. Most people are surprised by how little they have to do at this point. That's the idea.

Google Reviews

What clients say.

5.0 · Rated on Google
★★★★★
"My wife and I found Victor to be the only broker to actually provide a result where other brokers were quite useless. Really needs six stars!!!!"
C L
Google
★★★★★
"My situation wasn't easy due to my credit history, but Victor was patient, honest, and really knew what he was doing. He was able to help me refinance when I didn't think it was possible."
Eva Lozina
Google
★★★★★
"Victor made buying my first investment property so stress free. He genuinely cared about my goals and helped me plan for the future, not just get the loan done."
Lollipopz
Google
★★★★★
"Victor made the refinancing process very smooth and stress-free. He was knowledgeable, responsive, and always willing to help. Highly recommend to anyone looking for a home loan broker."
Deepshika Singh
Google
★★★★★
"I reached out to Victor as a first home buyer. He carefully guided me through the paperwork and helped me correct mistakes along the way. He also followed up after settlement."
K Ho
Google
★★★★★
"Victor managed to get me a home loan when it seemed impossible and when other brokers failed. I will definitely recommend him to my friends and family."
Tobias
Google
★★★★★
"His knowledge and expertise were second to none. I feel confident that he's my mortgage broker, looking after me."
Ramneek
Google
★★★★★
"Can't thank him enough for his relentless effort to find the best deal that suits my conditions. Highly recommended."
Hasnan Husin
Google
★★★★★
"Great work Victor — he was very professional in our refinancing."
Brett Membrey
Google
★★★★★
"Brilliant and helpful broker."
Designer
Google
Common questions

What people usually want to know.

Most lenders allow you to access equity up to 80% of your property's value, minus what you still owe. On a $900,000 property with a $500,000 balance, that's potentially $220,000 available. The exact figure depends on which lender values your property. The difference between lenders can be significant. That's one of the things we look at in the call.
Every new application includes a credit inquiry, which causes a small temporary dip. For most people it's minor and recovers within a few months. The key is applying selectively: only to lenders where your situation actually fits. I'll help you do that so you're not collecting unnecessary inquiries trying to find the right one.
Usually four to six weeks from application to settlement. The slower parts tend to be lender assessments, property valuations, and the discharge from your existing lender. Most of that happens without you needing to do anything. I manage the back and forth and keep you updated at each stage.
Variable rate loans generally don't have break costs, though there's usually a discharge fee of around $150–$400. Fixed rate loans are different. Break costs can be substantial depending on how much rates have moved since you locked in. I'll check this for your specific situation before recommending you go anywhere. Sometimes it changes the maths entirely.
Nothing. I'm paid a commission by the lender when your loan settles. This doesn't affect the rate or terms you receive. Lenders offer the same products whether you go directly to them or through a broker. The difference is I do the comparison work across 40+ lenders for you.
Before You Book

Is this actually for you?

I'd rather tell you now than waste 15 minutes of your time later.

This works if
  • You already own your home
  • You're currently working, with income coming in
  • You're genuinely thinking about doing something with your equity in the next few months, not just curious
It's probably not for you if
  • You're retired or not currently earning an income. Different products apply, and I'd rather point you in the right direction than waste your time
  • You're still saving for your first home
  • You've already got this moving with another broker

If that's you, book the call below. If it's not, no hard feelings. You've just saved yourself 15 minutes.

Continue to Booking
Book a time

Find out what your home can do for you.

Most people I speak to have been sitting on this question for months. Book a time below. I'll ask you a few quick questions and tell you honestly whether it's worth going further.

Available 7 days a week including evenings. Book a time that fits your schedule.

Free RP Data Property Report, yours after the call.
A property data report showing your estimated current value and recent comparable sales in your area. Gives you a real starting point on where your equity position actually sits.

Prefer to reach out directly? Call 0451 821 319 or email victor.kwong@loanmarket.com.au

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