Skip to content
Close
SEARCH
Get in touch
Get in touch
PM 2 (1)-1

Untitled design - 2024-08-26T152223-507

Protecting investments and securing income with peace of mind.

Contact Us

PROPERTY OWNERS

Melbourne

Property Management

Switch To LongView

Brisbane

Property Management

Switch To LongView

Advocacy

Buying an Investment Property

Selling an Investment Property

 

RENTERS

Melbourne

Current Renters

Renting With LongView

Browse Rental Properties

Emergency Trades

Brisbane

Current Renters

Renting With LongView

Browse Rental Properties

Emergency Trades

Website Hero ImagesMortgage Stress Hero (1)-1

Homeflex Logo 2-1-1

Unlock your home equity and invest in what you need now.

Get Started

MEET YOUR FINANCIAL GOALS

Pay down your mortgage

Invest in your business

Finance your renovation

Consolidate debts

Navigate divorce or separation

Help your kids buy a home

Handle an unexpected medical or life event

Live more comfortably in retirement

Fund a vacation

Pay for school fees

USEFUL LINKS

Resources/Blogs/Guides

FAQs

Resource Hub

Home Equity Calculator
HEI-1 (1)-3

Untitled design - 2024-08-26T145833-118

Invest in a fund that offers exposure to a portfolio of family homes.

Learn More

OUR FUND

Home Equity Investments

How it works

The team

IMPORTANT MATERIALS

Download our Quarterly Investor Update

Home Equity Fund Overview

About (1)-2

LV Logo-02 (1)

Wherever you are in your property journey, LongView helps you go further with modern solutions.

Learn More

WHO ARE WE

About us

Blog/News/Media

Careers

USEFUL LINKS

How we can help

Why choose us?

Group 441

HomeFlex vs Refinancing Your Home Loan 

Accessing your home equity does not always have to mean refinancing your mortgage. Learn how refinancing works, why homeowners consider it, and how HomeFlex gives eligible homeowners another way to unlock equity without monthly repayments or interest charges.
iStock-2191071443-1
iStock-2191071443-1
Group 441

HomeFlex vs Refinancing Your Home Loan

Use your home equity to pay off high-interest debts. Access up to $500K with no monthly repayments, no interest, no stress.

Is Refinancing The Right Way To Access Your Home Equity? 

If your home has increased in value, you may have built up equity that could help you reduce financial pressure, renovate, support family, manage a life event, or improve your lifestyle.

For many homeowners, refinancing is one of the first options they consider. A refinance home loan usually involves replacing your current mortgage, changing your loan terms, or borrowing more against your property.

That may be useful in some situations. But refinancing is still a loan. It can involve lender checks, new or higher repayments, interest charges, and ongoing serviceability requirements.

iStock-2191071443-2

 Why Do Homeowners Consider Refinancing Their Home Loan?  

Homeowners may consider refinancing for many practical reasons. You might be looking for a lower interest rate, a different loan structure, or a way to access funds for something important.
Common reasons people consider refinancing include:
Icon

Accessing Home Equity

If your property has increased in value, refinancing may allow you to borrow against some of the equity you have built.
Icon

Renovation or Repair

Refinancing may help fund home improvements, maintenance, accessibility upgrades, or major repairs.
Icon

Consolidating Debt

Some homeowners refinance to consolidate debts into their mortgage, often with the aim of simplifying repayments or reducing short-term repayment pressure.
Icon

Supporting Family

Some homeowners want to help adult children buy a home, pay education costs, or manage a significant life event.
Icon

Managing Life Changes

Divorce, illness, retirement, redundancy, or business changes can create a need for extra funds.
Icon

Reducing Pressure

Refinancing may help restructure debt, but it may not remove repayment pressure if the loan balance remains high.

HomeFlex: An Alternative to Refinancing 

 

HomeFlex helps eligible homeowners access a portion of their home equity without refinancing, selling, or taking on new monthly repayments.

Instead of charging interest, HomeFlex provides funds now in exchange for an agreed share of your home’s future value. You remain the homeowner, stay in control of your property, and repay when you sell, refinance, or choose to buy out HomeFlex’s share.

Unlike a refinance home loan, HomeFlex does not add compounding interest to your debt. HomeFlex shares in the future property outcome and carries capital growth risk alongside you.

iStock-2191071443-4

Why Choose HomeFlex?

Group 711

 

Stay In The

Home You Love

 

No need to sell. Keep your

home and unlock some of

your wealth now.

Group 713

 

No Monthly

Repayments

 

Unlike a traditional

loan, there's nothing to

repay each month.

Group 712

 

No Compounding

Interest

 

No interest. No snowballing

debt. Just a fair share of

future growth.

Group 144@2x

How Does HomeFlex Work?

Group 708@2x

HomeFlex vs Refinance Home Loan Comparison

HomeFlex vs Refinance Home Loan Comparison

 

Homeflex Logo-1-1
Refinance Loan
No Monthly Repayments?
tick
cross
No Interest Charges
tick
cross 
Access Equity Without Selling
tick
tick
Repay When You Choose
tick
cross
Ownership
tick
tick
No Compounding Loan Interest.
tick
cross

 

HomeFlex gives you a clean slate, without locking you into another loan cycle.

 

HomeFlex gives you a clean slate, without locking you into another loan cycle.

 

HomeFlex gives you a clean slate, without locking you into another loan cycle.

Estimate your HomeFlex access

Move the sliders below to see how much of your home's value you could unlock, without interest or monthly repayments.

What is your home currently worth?
$500,000 $10,000,000
How much do you currently owe on your mortgage?
$0 $8,000,000
You may be able to unlock

$100,000 - $500,000

This estimate is based on your home's current value and equity.
This estimate is based on your
home's current value and equity.

How much would you like to access?

$0 $8,000,000

When do you expect to repay LongView?

1 Year 10 Years

How much do you expect your home will be worth in years?

$0 $5,000,000
Estimated home value in years 1 $6,086,189
Mortgage balance 2 $4,754,514
Total amount you owe LongView $5,785,458
Your remaining home equity $150,000
Calculator details

This calculator is provided for illustrative purposes only. The actual outcome will vary depending on unknown variables such as property values, loan terms, interest rates and approved loan sizes etc.

1 - This is based on your estimate of your future home value. For customers with a funding need <3 years, please contact LongView on 1800 931 784 to discuss your financial needs.

2 - If you do not specify your remaining loan term or interest rate under additional questions, the calculator will assume a 25-year loan term and 6.5% p.a. interest rate on your first mortgage and will amortise the mortgage balance accordingly. Any amortisation does not consider the effect of additional repayments, balances in offset accounts or fluctuating interest rates.

Happy with how much you could potentially access? Want to see if your home is eligible?

Check My Eligibility

Why Choose HomeFlex?

Icon

Stay In The
Home You Love

No need to sell. Keep your home and unlock some of your wealth now.
Icon

No Monthly
Repayments

Unlike a traditional loan, there’s nothing to repay each month.
Icon

No Compounding
Interest

No interest. No snowballing debt. Just a fair share of future growth.

How Does HomeFlex Work?

svgviewer-png-output (20)

Use Our Home Equity Calculator

Enter a few simple details about your home and mortgage to see how much equity you could unlock, without selling or monthly repayments.

svgviewer-png-output (21)

Check Your Eligibility

Answer a few quick questions to confirm your eligibility for HomeFlex. It’s fast, obligation-free, and won’t affect your credit score.

svgviewer-png-output (22)

Get an Independent Valuation

We arrange a professional, independent valuation to determine how much equity you can unlock based on your property’s current market value.

svgviewer-png-output (25)

Review Your

Offer

We’ll present a clear offer outlining how much you can access and the terms of the agreement. Ask questions, take your time, there’s no pressure.

svgviewer-png-output (23)

Unlock Your

Funds

Once you sign the agreement, the funds are released to you. There are no ongoing monthly repayments, just a share of your future home value growth.

svgviewer-png-output (24)

Use the Money

Your Way

Cover costs, clear debts, support loved ones, or invest in your lifestyle*. You can buy out our share at any time, or repay when you sell your home.

Icon

Use Our Home
Equity Calculator

Enter a few simple details about your home and mortgage to see how much equity you could unlock, without selling or monthly repayments.
Icon

Check Your
Eligibility

Answer a few quick questions to confirm your eligibility for HomeFlex. It’s fast, obligation-free, and won’t affect your credit score.
Icon

Get an Independent
Evaluation

We arrange a professional, independent valuation to determine how much equity you can unlock based on your property’s current market value.
Icon

Review Your
Offer

We’ll present a clear offer outlining how much you can access and the terms of the agreement. Ask questions, take your time, there’s no pressure.
Icon

Unlock Your
Funds

Once you sign the agreement, the funds are released to you. There are no ongoing monthly repayments, just a share of your future home value growth.
Icon

Use the Money
Your Way

Cover costs, clear debts, support loved ones, or invest in your lifestyle*. You can buy out our share at any time, or repay when you sell your home.

Clear the Debt. Keep the Control.

If you’re juggling credit cards, personal loans, or car repayments, you’re not alone. Traditional consolidation often means taking out another loan, with new interest, new monthly repayments, and a longer timeline to pay it off.

HomeFlex works differently. It lets you access up to $500K of your home equity to clear your debts, with no interest, no monthly repayments, and no need to refinance or sell your home.

Pay Off Debt 2 (2)

How Australians Are
Using HomeFlex to Break the Debt Cycle

 

Helping Australians stay in control of their
homes and their future.

Check Your Eligibility

 
Answer a few simple questions to find out if you’re eligible to unlock your home equity.
This is a no commitment check, and no impact on your credit score.
 

Check Your Eligibility

Answer a few simple questions to find out if you’re eligible to unlock your home equity. This is a no commitment check, and no impact on your credit score.

How Australians Are Using HomeFlex

 Unlock the value of your home to take control of your future.
Need it for something else? Just ask.

How Australians Are Using HomeFlex

Unlock the value of your home to take control of your future.

Need it for something else? Just ask.

Frequently Asked Questions

 

Frequently Asked Questions

 

What is the difference between HomeFlex and Refinancing?

+
Refinancing replaces or changes your current home loan and usually involves interest, lender checks, and ongoing repayments. HomeFlex helps eligible homeowners access funds in exchange for an agreed share of their home’s future value, with no monthly repayments and no interest charges.

Is HomeFlex suitable if I cannot refinance my home loan?

+
HomeFlex may be an option for eligible homeowners who have built up equity but cannot refinance, do not want to refinance, or do not want to take on new monthly repayments.

Can I use HomeFlex if I already have a mortgage?

+
Yes, you may be able to use HomeFlex if you already have a mortgage, provided you meet the eligibility criteria. Your existing mortgage balance, property value, and available equity will help determine whether HomeFlex may be suitable.

Is refinancing more difficult if I am retired or no longer working full-time?

+
It can be. Lenders usually assess your ability to meet ongoing repayments, including income, expenses, credit history, and serviceability. HomeFlex may provide an alternative because it does not involve taking on new monthly loan repayments.

Does HomeFlex charge interest?

+
No. HomeFlex does not charge interest. Instead, HomeFlex receives an agreed share of your home’s future value when you repay.
This page provides general information only and does not take into account your personal objectives, financial situation, or needs. HomeFlex eligibility, terms, and suitability depend on individual circumstances. Consider seeking independent financial, legal, or tax advice before deciding whether HomeFlex, refinancing, or another home equity option is right for you.