In today’s dynamic property market, many Australians are facing new challenges – and new opportunities. Rising property prices and lower LVRs mean that leveraging existing property equity has become an increasingly valuable strategy for homebuyers and investors alike.
For brokers, this presents a unique opportunity to deepen relationships and open new pathways for customers ready to grow their property portfolios.
Recent insights from our bank’s No Place Like Home research show the scope of the opportunity.
A generation open to investment
More than half (58%) of Gen Z homeowners are actively exploring ways to monetise their property, with nearly a quarter (24%) planning to convert their home into an investment. While the numbers are smaller, the trend extends to older generations – 13% of Millennials, 9% of Gen X and 5% of Boomers are considering the same move.
Yet, many may not realise that tapping into their home equity today could be the key to achieving their goals sooner.
At Great Southern Bank, we are committed to supporting your customers at every stage of their homeownership journey - not just when they’re buying their first home. Our simplified cash out and equity release policy allows customers to access up to 80% LVR on their property to fund their next investment, unlocking greater financial flexibility without the traditional barriers.
Supporting customers to take the next step
We’ve created clear pathways to help your customers maximise their property equity:
-
Purchase their first investor property with a smaller deposit
Using our Lenders Mortgage Insurance (LMI) pathway, your customers can enter the investment market without needing a full 20% deposit. Even better, if the LMI premium is paid at settlement, we offer a 15% discount on the premium — making the step into investment more affordable and accessible. -
Family Guarantor support
We understand the role families play in helping younger generations secure their property. With our Family Guarantor policy, parents and grandparents can assist their adult children or grandchildren to buy their first - or next - home with a $0 cash deposit. Notably, the guarantor no longer needs a full credit assessment, and the home equity can cover up to 27% of the purchase price to assist with upfront costs.
How can brokers leverage these opportunities?
Consider these questions when working with your customers:
-
Do they understand how their property equity could help them buy their next investment property sooner?
-
Could your first home buyers benefit from flexible LVR options or the Family Guarantor pathways?
-
Are they aware of the potential savings and benefits from our discounted LMI premium?
By helping your customers explore these options, you can strengthen relationships, generate new leads and deliver tailored solutions that evolve with their needs.
Why partner with Great Southern Bank?
Our ongoing commitment to supporting homeownership across Australia is backed by consistent growth and innovation:
-
In FY25, we grew our home lending portfolio to owner-occupiers and investors by 6.5% — reaching $17.5 billion across all states.
-
Unlike many lenders, we don’t apply postcode restrictions when LMI is not applicable, opening up lending opportunities nationwide.
-
Our lending policies reflect the realities of today’s workforce by recognising more income earned by essential workers.
-
We’ve refreshed our definition of ‘genuine savings’ to better align with modern saving habits.
-
Our Family Guarantor program simplifies the process by credit assessing the customer rather than the guarantor.
-
We’ve streamlined lending for self-employed customers, making it easier for them to begin or continue their homeownership journey with us.
Let’s partner to support your customers’ homeownership journey
If you’d like to learn more about how our cash-out/equity-release policies and Family Guarantor options can benefit your customers, get in touch with your Great Southern Bank BDM.
