Investopoly Q&A - Structure First: Using Equity, super tactics & smarter portfolio moves
Jan 5, 2026
Navigating property investments can be tricky, especially when it involves leveraging equity. Campbell explores the nuances of borrowing capacity and the implications of buying a third home before starting a family. He emphasizes the importance of strategic asset quality over sheer quantity and discusses using trusts effectively. Listeners learn about capital-loss harvesting strategies before retirement and the benefits of a two-fund super tactic. The key takeaway? Establish a solid financial foundation first and always prioritize your options.
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Think Ahead Before Using Equity
- Use equity from multiple properties if needed, but plan how it affects future borrowing capacity and timing.
- Don't lock into extra investment property if you expect to upgrade to a family home within five years.
Test Borrowing Capacity First
- Estimate borrowing capacity conservatively and test scenarios before drawing equity.
- Remember equity availability doesn't equal serviceability; lenders assess income-based capacity.
Lock In Your Forever Home Early
- Prioritise locking in your future family home if you expect to need it soon.
- Consider selling or trading up now to secure a larger, higher-quality home rather than buying extra investment property.