Brixel
The 60-second equity check

Your home equity could be the key to paying the mortgage off years sooner.

Five questions. You'll see an estimate of the equity you could use, and what redirecting an extra $300 a month would do to the term of your loan.

Question 1 of 5

Takes about 60 seconds.

Do you own your home?

We work with homeowners, so this one decides the rest.

Roughly what's the home worth today?

A ballpark is fine. Nobody's checking.

And roughly what's still owing on it?

Your last statement balance, near enough.

Combined household income before tax?

Both of you together, if there are two of you.

What's your work situation?

Lenders care about this more than anything else.

Last step. Where should we send it?

Your estimate appears on the next screen.

Please add your name, phone and email so we can call you back.

Your estimate appears straight away. We'll follow up with a call to talk through what it means for you.

Details used only for this enquiry. See our Privacy Policy.

Here's the estimate.

Estimated usable equity
 
Indicative, at 80% of value
With $300/month redirected
 
 

Where would the $300 come from? Not your salary. Brixel helps homeowners use their equity to buy an investment property, and any surplus that property produces can go straight onto the home loan. The call works out whether your position supports it.

One of our team will be in touch shortly. The figures above are built from the ranges you selected. A short call is what turns them into accurate numbers for your actual position.

This one isn't for you yet.

Everything we do starts with equity in a home you own, so there's nothing here we could honestly help with right now. We'd rather say that than take your details. If that changes, come back. The check will still be here.

No documents, no credit check, nothing that affects your loan. General information only, not financial advice.

11 years in property investment 600+ investors helped $300M+ transacted 15,000+ areas analysed 55-point research framework
What we do

Three simple moves

Move one

Work out the usable equity.

Not all of it. The portion that could be released without stretching your household, checked against real lending criteria rather than a rule of thumb.

Move two

Acquire one researched property.

We use our due diligence system across 15,000 suburbs to ensure we select a property based on performance.

Move three

Any surplus goes at the mortgage.

Rent, depreciation and the tax position that property carries can produce a monthly surplus. Directed at your home loan, that surplus shortens the term.

The fair question

Yes, this involves borrowing more.

Total borrowings go up. The debt that costs you goes down. Those are two different things.

Your home loan
An investment loan
Who services it
You, out of your salary
A tenant, through the rent
Paid with
Money you've already been taxed on
Rent, plus depreciation and the tax position
Interest
Not deductible
Generally deductible
What it builds
The home you live in
A second asset you also own
The goal
Gone as fast as possible
Eventually carries itself, and throws off a surplus

General position only. Tax treatment depends on your circumstances, so get your own tax advice.

Will it definitely produce a surplus?

No. It depends on the property, your rate, your income and your tax position. On some numbers it doesn't work at all, and we say so on the call rather than after.

What if the property doesn't perform?

Property carries risk and nobody can guarantee growth, rent or resale. That's exactly why the research sits at the centre of what we do.

Clients

Eleven years. 600 investors.

★★★★★

"I had been procrastinating for so long until I found James. He held our hands through the whole process, up to settlement day. His knowledge on property, trends, suburbs and pricing is mind blowing."

SCSteve & Carissa
★★★★★

"The team were so supportive, approachable and genuinely invested in helping us every step of the way. We're absolutely thrilled with how our investment has performed and are so grateful for their guidance."

VHVerity H.
★★★★★

"At the beginning I felt overwhelmed because there's so much information out there. Brixel made everything really simple and easy to understand, and guided me through the entire process."

BCBrodee C.
★★★★★

"James and his team are elite at getting things done. They got my SMSF sorted and investment property sorted with minimal effort from me, couldn't be happier and am very grateful for them making it all very easy."

RBRobert B.
★★★★★

"I've gone through the processes with multiple places now but found Brixel to accommodate my needs and really take the time to explain the processes, as I'm no property guru. Would highly recommend."

HBHayden B.
★★★★★

"I had been procrastinating for so long until I found James. He held our hands through the whole process, up to settlement day. His knowledge on property, trends, suburbs and pricing is mind blowing."

SCSteve & Carissa
★★★★★

"The team were so supportive, approachable and genuinely invested in helping us every step of the way. We're absolutely thrilled with how our investment has performed and are so grateful for their guidance."

VHVerity H.
★★★★★

"At the beginning I felt overwhelmed because there's so much information out there. Brixel made everything really simple and easy to understand, and guided me through the entire process."

BCBrodee C.
★★★★★

"James and his team are elite at getting things done. They got my SMSF sorted and investment property sorted with minimal effort from me, couldn't be happier and am very grateful for them making it all very easy."

RBRobert B.
★★★★★

"I've gone through the processes with multiple places now but found Brixel to accommodate my needs and really take the time to explain the processes, as I'm no property guru. Would highly recommend."

HBHayden B.
★★★★★

"I had been procrastinating for so long until I found James. He held our hands through the whole process, up to settlement day. His knowledge on property, trends, suburbs and pricing is mind blowing."

SCSteve & Carissa
★★★★★

"The team were so supportive, approachable and genuinely invested in helping us every step of the way. We're absolutely thrilled with how our investment has performed and are so grateful for their guidance."

VHVerity H.
★★★★★

"At the beginning I felt overwhelmed because there's so much information out there. Brixel made everything really simple and easy to understand, and guided me through the entire process."

BCBrodee C.
★★★★★

"James and his team are elite at getting things done. They got my SMSF sorted and investment property sorted with minimal effort from me, couldn't be happier and am very grateful for them making it all very easy."

RBRobert B.
★★★★★

"I've gone through the processes with multiple places now but found Brixel to accommodate my needs and really take the time to explain the processes, as I'm no property guru. Would highly recommend."

HBHayden B.
James Iodice, Founder of Brixel
Why Brixel exists

A personal reason behind it.

I grew up watching my mother work tirelessly as a single parent, focused on providing for us, with no time to think about her own future. When retirement came, she wasn't prepared. That weight gets passed on to the kids. I know that firsthand.

I was fortunate enough to be in a position to help her. Many people aren't. Brixel exists to help working Australians build something now, so they can retire on their own terms.

The greatest gift a parent can give their children is the ability to be self-sufficient in their later years.

James Iodice, Founder