Fund Life Now From Investment Properties

What's your investment properties' equity worth today? $1,200,000

$200k$10m

Loan already owing against it $400,000

$0$5m

Your age today 55

40100

For how many years do you want to draw? 10

1 yr30 yrs

Extra to draw and spend each year $40,000

$0$200k

How do you want to assume things play out?

This sets both the pace your properties are likely to grow, and the interest rate on what you draw.

More detail (planning age, safe borrowing limit, inheritance goal, custom rates)

Plan until age (for the estate figure)

Maximum safe borrowing (% of properties' value)

Inheritance you'd like to leave

Fine-tune: properties' growth %/yr

Fine-tune: loan interest %/yr

Equity available today

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Properties' value minus what's owed

Life funded by the drawdown

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Estate left at plan horizon

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Investment properties' value vs. loan balance, year by year

The gap between the gold line and the clay area is what's left for the estate.

Properties' value Loan balance owed Left for family

How to read this: This models a standard loan secured against your investment properties' equity — not a reverse mortgage and not margin lending against shares, so there's no daily mark-to-market margin call. Instead, lenders cap borrowing at a maximum loan-to-value ratio (set above); once the loan reaches that cap, this model assumes drawing stops until the properties' growth creates more room, or you refinance. Interest still compounds every year on top of what you draw, and rates can rise over time. This is a general illustration, not personal financial, tax, or legal advice — borrowing against equity affects loan serviceability and the tax treatment of the interest, so check your numbers with a licensed financial adviser and mortgage broker before acting.