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Home Equity · January 2025 · 7 min read

Stress-Testing an Equity Release Before You Sign Anything

Conservative equity strategies survive rate cycles. Reckless ones do not. Here is the framework we use before any release is recommended.

Stress-Testing an Equity Release Before You Sign Anything

Before any equity release is considered, the household balance sheet must be modelled against rate increases of 200 to 300 basis points, income disruption, and extended vacancy.

A strategy that only works under benign conditions is not a strategy. It is a bet.

J
Written by
Jerry Parker — Founder, Capital Growth Property

Long-term property investment strategy for Australian professionals. Research-led, conservative, multi-decade in horizon.

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