Top Up Your Home Loan - No Refinancing Required
Top Up Your Home Loan – No Refinancing Required
You may be able to access up to $100K based on your equity and lender criteria, all while staying with your current bank. Use it for renovations, debt consolidation, or major expenses.
Check if this option could work for you – only takes 60 seconds.
Disclaimer: Eligibility depends on your equity, income, lender policies, and repayment history. Results and loan amounts may vary. This is not a credit offer.
A Smarter Way to Borrow (That Most Brokers Won’t Mention)
A Smarter Way to Borrow (That Most Brokers Won’t Mention)
Fact: You don’t always need to refinance to borrow more.
If you already have a home loan and some equity, there’s a faster, simpler way: a home loan top-up.
A top-up lets you access extra funds by borrowing against the equity in your home without switching banks, resetting your mortgage, or starting over.
The amount is added to your existing loan and repaid over time, usually at your standard home loan rate, often much lower than credit cards or personal loans.
Why a Top-Up Can Be Smarter Than Refinancing
Why a Top-Up Can Be Smarter Than Refinancing
You stay with your current lender
Less paperwork, faster settlement
Your current repayment structure stays the same
Once approved, some lenders release funds in as little as 48 hours.
Example:
- Property value: $800,000
- Current loan: $500,000
- Usable equity (up to 80%): around $140,000
- Potential top-up: $20,000–$100,000
(subject to income and repayment history)
You can use the funds to:
- Renovate your kitchen or bathroom
- Consolidate credit cards or personal loans
- Usable equity (up to 80%): around $140,000
- Cover education, medical, or family expenses
Most brokers won’t tell you this, but it’s exactly why more Australians are choosing top-ups.
Most brokers won’t tell you this, but it’s exactly why more Australians are choosing top-ups.
Why More Australians Are Using a Home Loan Top-Up
Why More Australians Are Using a Home Loan Top-Up
No need to refinance or change lenders
Access up to $100,000 from your home equity
Property values are up 4.7% in 2024
— you may have more equity than you think 
Faster, easier, and lower rates than personal loans
No need to refinance or change lenders
Access up to $100,000 from your home equity
Property values are up 4.7% in 2024 — you may have more equity than you think
Faster, easier, and lower rates than personal loans
How It Works (Simple 3-Step Process)
How It Works (Simple 3-Step Process)
If eligible, you’ll have the option to book a free call to go over the details. Otherwise, we’ll contact you at your preferred time.
Complete the 60-second eligibility check. No paperwork or upfront credit checks.
Find out instantly if you meet the key criteria for a top-up loan.
If eligible, you’ll have the option to book a free call to go over the details. Otherwise, we’ll contact you at your preferred time.
Hi, I’m Cameron McDonald
Hi, I’m Cameron McDonald
A Mortgage Choice franchise owner and broker based in Melbourne’s north-west. I’ve been helping clients with their home loans for over 20 years, and I specialise in working with homeowners who want to access extra funds without going through the hassle of refinancing.
If you’re looking to consolidate debt, renovate, or simply take better control of your finances, a top-up loan could be a smart, practical option. I’m here to guide you through it with clear, honest advice. No pressure, just what’s right for your situation.
✔ 20+ Years Experience
Trusted mortgage broker helping homeowners since 2004.
✔ Mortgage Choice Franchise Owner
Backed by one of Australia’s most established broker networks.
✔ 5.0 Star Google Rating
Known for honest advice and pressure-free service.
FAQs
FAQs
How much can I borrow?
That depends on your income, equity, and lender criteria — most top-ups range between $20K and $100K.
How long will it take?
Are we ready to apply?
If you have a mortgage, stable income, and good repayment history, you’re likely ready to explore your options.
Can I bundle all of my debt payments
What info do I need to do next?
This information provides general details only and should not be construed as personal financial advice. Individual circumstances vary, so it’s important to consult with a professional mortgage broker or financial adviser before making any financial decisions.
Cameron McDonald is an authorised representative of Mortgage Choice Limited (Australian Credit Licence 382869) and operates under responsible lending obligations.
This service is available only to Australian residents aged 18 years and over. Credit criteria, terms, and conditions apply.
Your information is collected in accordance with our Privacy Policy and will be used to provide you with the requested loan top-up information and mortgage-related services.
Mobile: 0409 559 697
Address: 14/42 Wright Road, KEILOR PARK VIC 3042
Email: Mobile: 0409 559 697
Address: 14/42 Wright Road, KEILOR PARK VIC 3042
