Top-ups + cashouts

Unlock the equity in your home to fund life’s big goals. Whether it’s renovations, a new car, a holiday, or your next investment, a top-up or cashout could help you access funds, often at a lower rate than other finance options.

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Overview

Turn your home’s equity into opportunity. From renovations and investments to a new car, holiday, medical expenses, or a deposit for your next property, a top-up or cashout could help you access funds without needing to sell your home.

We’ll help you understand how much equity may be available, what your new repayments could look like, and whether a top-up or cashout suits your goals now and in the future.

Turn your home equity into opportunity

Strategic equity advice

Our salaried brokers provide tailored advice to help you decide if a top-up or cashout is the right step, making sure it supports your goals today while protecting your long-term financial strategy.

Accessing your home equity

Unlock the equity in your home without selling. We handle the top-up process from start to finish, making it simple and stress-free to access the funds you need.

Funding your goals

Whatever your next big goal, renovations, investments, debt consolidation, or even a new car, we’ll structure your top-up to make it happen while keeping your finances on track.

Calculating your usable equity

We’ll assess your property value, current loan, income, expenses, and lender options to estimate how much usable equity may be available and what your new repayments could look like.

Loan repayment calculator

Curious what a top up would really mean for your repayments? Crunch the numbers and see how it fits your budget.

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Borrowing capacity calculator

Get a rough idea of how much you may be able to borrow, helping you understand how much equity you could potentially access from your home.

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Hear what makes Clarity different

Clarity is a dedicated team of financial professionals committed to providing tailored solutions for your financial needs. With a focus on clarity and transparency, we guide our clients through the complexities of financial planning, investment strategies, and wealth management. Our experienced advisors work closely with you to ensure your financial goals are met with confidence and clarity.

Backed by proven results

Excellent

5.01,447 reviews

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Shannon was fantastic from our first greeting until our settlement. We have used Clarity Home Loans a number of times now and our experience has always been professional, prompt and consistent. Shannon took the time to understand our situation and sought the best loans for our circumstance. Highly recommend Rob, Shannon and the Clarity team. Thanks again. Peter and Sally Hurt

Asad Jaffer was with me every step of the way; he communicated professionally, warmly and in a very timely fashion. I have worked with other brokers in the past, however none of them compare to Asad from Clarity. I highly recommend Clarity and especially Asad! Thank you for all your professional support, advice and guidance.

Cesar and his team provided exceptional services. My loan application was very smooth and got approved quickly.

Shoutout to Cesar and Hazel! We had an excellent experience working with them. As first-home buyers, the process felt overwhelming at times, but they made everything much easier to understand. Cesar was incredibly helpful, patient, and always available to answer our questions. He guided us through every step of the process and kept us informed from start to finish. His professionalism, knowledge, and genuine commitment gave us confidence throughout the process. We truly appreciate all of their hard work and would highly recommend Cesar, and the team at Clarity to anyone looking for a reliable, knowledgeable, and supportive mortgage broker. Thank you for helping us achieve our dream of buying our first home! 😊

We had an great experience with Lachlan Warren. From the very beginning, he took the time to explain everything clearly and answered all of our questions directly without any confusion. Lachlan guided us through the entire process, kept us informed every step of the way, and always kept us up to date with the progress of our loan. His professionalism, patience, and excellent communication made what most people consider a stressful experience feel straightforward and manageable. We truly appreciated all of Lachlan's support and dedication throughout our home loan journey. We couldn't be happier with the service we received and would highly recommend him to anyone looking for a knowledgeable, trustworthy, and supportive mortgage broker. Thank you, Lachlan

Not sure where to start?

Not sure if a top up or cashout is right for you? It can feel overwhelming to know how much equity you can access, or the best way to use it. You don’t have to figure it out alone. Chat with one of our friendly Canberra-based brokers and we’ll guide you through your options.

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