Where the equity is
The national median dwelling value was $912,885 in August 2026, up 2.7% over the year even after a fifth monthly fall, according to Cotality. The equity is unevenly spread. Perth values rose 15.6% over the year and Brisbane 10.8%, while Sydney fell 4.6%. A cash out campaign in Perth and a cash out campaign in Sydney are two different campaigns, and the criteria should say which.
Refinancing is already how most of this equity moves. The ABS counted 66,449 owner occupier and 36,597 investor loans refinanced to a new lender in the June quarter of 2026, 103,046 in all.
What a cash out record carries
The purpose decides the lender's view, so the record asks for it in the enquirer's own words.
- Current lender, balance and a rough property value
- Amount they want to release and what it is for
- Whether the purpose is a deposit on another property, a renovation, a business or something else
- Employment type and other debts
- State and postcode, timing, time stamp and consent record
What is checked first
Equity is easy to overestimate and serviceability on the larger loan is easy to miss. A homeowner who bought in 2021 and reads the news may believe there is more to release than a valuer will find. The PrimeProof screen runs before delivery, on up to 98 data points. Fewer than 5% of leads that clear it fail on finance, against 51.8% of the high income property enquirers we measured. A lender still decides, and a valuation still happens. The screen keeps the calls that were never going to work out of your week.
Related lead types
When the purpose is paying down cards and personal loans, the record is a debt consolidation lead. When a fixed term is ending and the enquirer wants rate and cash out decided together, see fixed rate expiry leads.
Pricing
A fixed cost per lead agreed before the campaign runs, no retainer, no lock in. Every record is exclusive to you, verified by SMS and checked for duplicates. Invalid leads are reviewed within five business days and replaced or credited when confirmed.