Helping Our Clients Buy Again and Again Using Equity

Sud Setia
Published on
April 3, 2025

Many people believe they need to save for years to afford another property. But with the right strategy, you can use your existing equity to keep buying—without waiting.  

This is exactly how we helped one of our clients purchase a $620,000 property, leverage its growth, and continue expanding their portfolio.

How We Helped Our Client Buy Without Saving Another Deposit

Equity is the difference between a property's market value and the remaining loan. As property values increase, so does usable equity, which can be accessed for future purchases.

Example:

  • Initial property purchase price: $620,000
  • Loan balance: $558,000 (90% LVR)
  • New property value after 12% appreciation: $694,400
  • Total equity gained: $74,400
  • Usable equity (90% of new value minus existing loan): $66,960

With this $66,960 in equity, our client was able to fund another deposit—without needing to save a single dollar from their income.

The Power of Reinvesting Equity

By reinvesting this equity, our client was able to purchase a second $620,000 property within just 12 months. As both properties continued to grow in value, they repeated the process again, scaling their portfolio much faster than traditional saving would allow.

What our client achieved:

  • 2 properties worth $1,388,800 in 12 months
  • Total personal savings used: $0 (equity-funded deposit)
  • Equity growth: $148,800

Key Takeaway: Using equity allowed our client to double their property holdings and significantly increase their wealth—without waiting years to save another deposit.

Scaling to Multiple Properties with the Right Strategy

By using this strategy, our client now has a clear pathway to scaling their portfolio to five or more properties. As each property appreciates, they can continue reinvesting equity into new purchases. With the right loan structure, this cycle can be repeated every year—maximizing long-term growth and financial freedom.

Most investors miss out on opportunities because they assume they need to save for every deposit. Instead, by leveraging equity, you can buy again and again—keeping ahead of rising property prices and accelerating your investment journey.

Final Thought: The smartest investors don’t just save—they reinvest their gains. If you want to grow your portfolio faster, equity is the key.

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