Home equity rich.
Cash flow constrained.
A no monthly payments home loan may help you access the equity in your property without adding another regular monthly repayment.
Access your home equity without increasing your monthly commitments.
No regular principal or interest payments
Simple interest rather than compounding interest
First or second mortgage options
Home equity release with no monthly payments.
Your home may hold substantial equity, even when your monthly cash flow feels stretched.
A no monthly payments home loan may help create more breathing room in your household budget by allowing you to access your home equity without adding another monthly payment.
The loan can be structured as either a first or second mortgage and used for one purpose or a combination of financial needs.
Homeowners of all ages with at least 20% property equity may be able to explore this type of lending solution.
Approval remains subject to eligibility, property requirements, credit assessment and responsible lending obligations.Use your property equity without another monthly payment.
Home equity is the difference between your property’s value and the amount you currently owe against it.
Borrow against your property
You borrow an approved amount using the available equity in your property.
No monthly repayments
There are no regular monthly principal or interest payments during the life of the loan.
Simple interest applies
Interest is calculated using simple interest rather than compounding interest.
Repay later
The loan is generally repaid when you sell, refinance, choose to repay or another contractual repayment event occurs.
Use your home equity for the financial priorities that matter.
The funds may be used for one purpose or a combination of eligible financial needs.
Reduce your existing mortgage
Reduce or replace an existing home loan to potentially lower your current mortgage repayments and free up income for everyday expenses.
Consolidate debts
Pay out eligible credit cards, personal loans, tax debts or other liabilities to simplify your finances and reduce regular repayments.
Renovate your home
Fund renovations, repairs, extensions, accessibility improvements or work required to prepare your property for sale.
Purchase or improve an investment property
Access funds for a deposit, purchase costs or renovations without selling other assets or adding another monthly payment.
Buy a new home
Help fund a deposit, stamp duty, purchase costs or the gap between your current home and your next property.
Help family members
Assist children or other family members with a property deposit, education costs or another major financial need.
Start or grow a business
Fund equipment, vehicles, stock, premises, technology, staff or working capital while preserving business cash flow.
Manage separation or divorce
Access funds for a settlement, legal costs, refinancing, buying out a former partner or retaining the family home.
Pay education costs
Cover school fees, university tuition, accommodation, study expenses or education-related travel.
Meet medical or personal expenses
Fund medical treatment, rehabilitation, home modifications, ongoing care or other major personal expenses.
A different way to access your property equity.
No monthly payments
You do not make regular principal or interest payments during the life of the loan.
Simple interest
Interest is calculated on the original amount borrowed rather than on previously accrued interest.
No fixed loan term
The loan does not have a predetermined end date, although contractual repayment events apply.
First or second mortgage
The loan may replace an existing mortgage or sit behind an eligible current home loan.
No monthly payments does not mean no long-term cost.
Although there are no monthly payments, interest and other costs accrue over time. It is important to understand how the balance may change and how the loan may affect the equity remaining in your property.
Your HFinance broker can explain the costs and model how the loan may change over time.
The original loan amount or principal
Simple interest accumulated on the amount borrowed
Applicable lender fees and charges
A deferral fee linked to an agreed share of any increase in the property’s value, where applicable
This type of lending may be worth considering if you:
Have substantial equity in your property
Want to access funds without selling your home
Want to avoid another regular monthly payment
Are limited by traditional income-based borrowing requirements
Want to improve cash flow or fund a major expense
Understand the long-term cost before accessing your equity.
Home equity release may provide greater financial flexibility, but it is important to understand the costs, repayment events and potential effect on the equity remaining in your property.
Speak to an hfinance broker →
Premium mortgage and lending solutions designed to help Australians move forward with confidence. Tailored guidance, strategic lending and exceptional client service.
COMPANY
SERVICES
GET IN TOUCH
96 Railway Ave, Stanmore NSW 2048, Australia
- Email: hello@hfinance.com.au
- Phone: +61 2 7252 5535
- Hours: Mon-Fri 9:00AM - 5:00PM
The information provided on this website is for general information purposes only and is not based on your personal objectives, financial situation or needs. You should consider whether it is appropriate for your circumstances and seek independent professional advice before making any financial decisions.
HFINANCE PTY LTD (ACN 605 599 997) is an Authorised Credit Representative (CRN 464340) of Mortgage Specialists Pty Ltd (ACN 612 422 178), Australian Credit Licence 384025.
*The comparison rate is based on a loan amount of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different loan amounts, terms, or fees may result in a different comparison rate,
© 2026 hfinance. All Rights Reserved.