Home – Mortgage Choice

Top Up Your Home Loan by up to $100k* Subject to Equity Approval

Borrow extra funds using the equity in your home without refinancing. Use this simple solution to fund renovations, consolidate debt, or cover major expenses — all without switching lenders. Check your eligibility in just 60 seconds.

Disclaimer: The top-up amount available depends on your equity, income, and lender criteria.

A Simpler Way to Access Extra Funds

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 borrow against the equity in your home, without changing lenders or resetting your mortgage.

The amount is added to your existing loan and repaid over time, usually at your standard home loan rate.

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

Funds can be released in as little as 48 hours (depending on lender approval and processing times).

Sample Scenario:

Example:

Property value: $800,000
Current loan: $500,000
Usable equity (up to 80%): around $140,000
Potential top-up: $20,000 to $100,000
(subject to equity, 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.

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)

Complete the 60-second eligibility check. It’s quick and easy.

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.

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

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.