Estimate your HomeFlex access

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

What is your home currently worth?

$500,000 $5,000,000

How much do you currently owe on your mortgage?

$0 $8,000,000

You may be able to unlock

$50,000 - $150,000

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

Chris & JuliaEarly 40s family from Brisbane

“As a homeowner for over a decade, HomeFlex gave me the financial security I needed to invest and grow my business. I accessed my home's equity without the complex lending requirements of refinancing. The process was easy and transparent, allowing me to invest in my business, provide security for my family, and to stay in the home I love for years to come. HomeFlex's approach of making money with you, not from you, made it a true win-win for my family.”

Stace & ShaunMid 50s couple from the Gold Coast

“We just want to say thank you to LongView for your help with HomeFlex. The product itself was perfect for our current needs and it has been such an easy and smooth process. Your communication along the whole way through to settlement has been fantastic and provided complete clarity.”

Kevin & SallyLate 30s family from Melbourne

“HomeFlex meant we were able to take advantage of great financial opportunities for our family. If we didn’t have access to cash now I wouldn’t have been able to buy out my business partner. This is an opportunity that we think will easily outperform the growth of my house, but also it means we have less stress and pressure on us…”

Caroline, SydneyLate 40's family from Sydney

“We’re so grateful to Helen at LongView for guiding us through HomeFlex with clarity and care. She explained everything in plain English, answered our questions promptly, and supported us from application through settlement. Thanks to her, the process was seamless and stress-free, and we can finally make the home improvements we’ve always dreamed of.”

Anon

“The team at Homeflex is very professional, patient, supportive and knowledgeable. I needed the extra funds but don’t want to have any monthly repayments to add extra burdens to daily life. Homeflex is the perfect solutions, and don’t be hesitant to speak to them. The team is genuine to help. Thank you again!”

Chris & JuliaEarly 40s family from Brisbane

“As a homeowner for over a decade, HomeFlex gave me the financial security I needed to invest and grow my business. I accessed my home's equity without the complex lending requirements of refinancing. The process was easy and transparent, allowing me to invest in my business, provide security for my family, and to stay in the home I love for years to come. HomeFlex's approach of making money with you, not from you, made it a true win-win for my family.”

Stace & ShaunMid 50s couple from the Gold Coast

“We just want to say thank you to LongView for your help with HomeFlex. The product itself was perfect for our current needs and it has been such an easy and smooth process. Your communication along the whole way through to settlement has been fantastic and provided complete clarity.”

Kevin & SallyLate 30s family from Melbourne

“HomeFlex meant we were able to take advantage of great financial opportunities for our family. If we didn’t have access to cash now I wouldn’t have been able to buy out my business partner. This is an opportunity that we think will easily outperform the growth of my house, but also it means we have less stress and pressure on us…”

Caroline, SydneyLate 40's family from Sydney

“We’re so grateful to Helen at LongView for guiding us through HomeFlex with clarity and care. She explained everything in plain English, answered our questions promptly, and supported us from application through settlement. Thanks to her, the process was seamless and stress-free, and we can finally make the home improvements we’ve always dreamed of.”

Anon

“The team at Homeflex is very professional, patient, supportive and knowledgeable. I needed the extra funds but don’t want to have any monthly repayments to add extra burdens to daily life. Homeflex is the perfect solutions, and don’t be hesitant to speak to them. The team is genuine to help. Thank you again!”

What is equity on property?

Equity on property is your home’s current market value minus your outstanding mortgage balance. It represents the portion of your property you fully own. HomeFlex taps into that equity by providing you funds now in exchange for a share of future property growth, this is not a traditional loan, there are no new monthly repayments, and you remain solely on title.

How much house equity do I have?

Enter your home’s current valuation and outstanding mortgage into our sliders to see your HomeFlex access estimate - based on the equity on property figure - instantly. This shows exactly how much equity in your home you could access with HomeFlex. We recommend comparing your result side-by-side with your other options, including the official Centrelink Home Equity Access Scheme calculator (if you’re eligible) for a full picture of your options.

How is house equity calculated?

House equity is simply your home’s market valuation minus your outstanding loan balance. For example, an $800,000 valuation less a $300,000 mortgage leaves $500 000 in equity. Our simple equity calculator uses these numbers to estimate how much you can unlock with HomeFlex - providing you immediate insight into your unlock range by tapping that equity in exchange for a share of future growth.

Can HomeFlex help me avoid refinancing my mortgage?

Yes, HomeFlex allows you to access the equity in your home without refinancing, taking on a new loan, or increasing your monthly repayments.

Will using HomeFlex add more financial pressure to my situation?

No, there are no monthly repayments, no interest, and no need to refinance your mortgage. HomeFlex is designed to relieve financial pressure.

Can I use HomeFlex to catch up on missed mortgage payments?

Yes, you can use the funds unlocked through HomeFlex to cover mortgage arrears or ongoing repayments, giving you more breathing room.

Can I use HomeFlex to catch up on missed mortgage payments or pay down debts?

Yes, this is one of the many acceptable loan purposes. However, if the funding is provided to relieve financial hardship or consolidate debts, part or all of the funds may be required to pay down existing debts to ensure long-term financial stability.

When do I repay HomeFlex?

You repay when you sell your home, refinance your mortgage, or choose to buy out HomeFlex’s share - with no monthly repayments in the meantime.

Who is eligible for HomeFlex?

You may be eligible if you own and live in an established home (not a high-rise apartment, new townhouse, or house-and-land package) located in Melbourne, Sydney, Brisbane, or the Gold Coast, (and surrounding regional areas) and have built up sufficient equity.

How does HomeFlex make money?

HomeFlex provides funds now in exchange for a share (typically one-third) of your home’s future capital growth. We don’t make our money through interest or monthly repayments.

Access Your Home Equity With No Interest and No Monthly Repayments

How Australians Are Using HomeFlex

Access Your Home Equity

With No Interest and No Monthly Repayments

How Australians Are Using HomeFlex

Estimate your HomeFlex access

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

Millions of Dollars Unlocked from Home Equity

Millions of Dollars Unlocked from Home Equity

Staying in the Family HomeThrough Rising Costs

Helping Kids BuyTheir First Home

Funding a Dream RenovationWithout Refinancing

Your Success Is Our Success

Your Success Is Our Success

How Does HomeFlex Work?

1

See What You

Could Unlock

Use our calculator to check

your home equity and find

out if you're eligible

2

Chat With

Our Team

We'll answer your

questions and help

arrange a valuation.

3

Get Your

Offer

Receive a clear,

no-pressure offer based

on your home's value.

4

See What You

Could Unlock

No repayments while you live

in your home — just an interest

free share of its future growth

How Does HomeFlex Work?

1See What You Could Unlock

Use our calculator to check your home equity and find out if you're eligible

2Chat With Our Team

We'll answer your questions and help arrange a valuation.

3Get Your Offer

Receive a clear, no-pressure offer based on your home's value.

4See What You Could Unlock

No repayments while you live in your home — just an interest free share of its future growth

Use Our Home Equity Calculator

Check YourEligibility

Get an Independent Valuation

Review Your

Offer

Unlock Your

Funds

Use the Money

Your Way

Use Our HomeEquity Calculator

Check YourEligibility

Get an IndependentEvaluation

Review YourOffer

Unlock YourFunds

Use the MoneyYour Way

Check Your Eligibility

Check Your Eligibility

What Our Clients Have to Say

What Our Clients Have to Say

“We just want to say thank you to LongView for your help with HomeFlex. The product itself was perfect for our current needs and it has been such an easy and smooth process. Your communication along the whole way through to settlement has been fantastic and provided complete clarity.”

“We just want to say thank you to LongView for your help with HomeFlex. The product itself was perfect for our current needs and it has been such an easy and smooth process. Your communication along the whole way through to settlement has been fantastic and provided complete clarity.”

Frequently Asked Questions

Frequently Asked Questions

What is equity on property?

How much house equity do I have?

How is house equity calculated?

Can HomeFlex help me avoid refinancing my mortgage?

Will using HomeFlex add more financial pressure to my situation?

Can I use HomeFlex to catch up on missed mortgage payments?

Can I use HomeFlex to catch up on missed mortgage payments or pay down debts?

When do I repay HomeFlex?

Who is eligible for HomeFlex?

Access Your Home Equity
With No Interest and No Monthly Repayments

Millions of Dollars Unlocked
from Home Equity

Staying in the Family Home
Through Rising Costs

Helping Kids Buy
Their First Home

Funding a Dream Renovation
Without Refinancing

Check Your
Eligibility

Use Our Home
Equity Calculator

Check Your
Eligibility

Get an Independent
Evaluation

Review Your
Offer

Unlock Your
Funds

Use the Money
Your Way

“We just want to say thank you to LongView for your help with HomeFlex. The product itself was perfect for our current needs and it has been such an easy and smooth process. Your communication along the whole way through to settlement has been fantastic and provided complete clarity.”

“We just want to say thank you to LongView for your help with HomeFlex. The product itself was perfect for our current needs and it has been such an easy and smooth process. Your communication along the whole way through to settlement has been fantastic and provided complete clarity.”