Prime Australian Home-Equity Credit

Institutional access to uncorrelated, low-volatility residential appreciation through structured credit instruments backed by prime Australian property equity.

Investor Portal

About Equihome

Equihome Capital Group Inc. serves as the fund management arm overseeing Australian home equity lending operations, connecting institutional capital with homeowner equity. We bridge the interests of our institutional clients seeking residential credit exposure with homeowners looking for seamless access to equity credit.

Home Equity Investment Asset Class

Established institutional asset class with proven US performance, enhanced by Australian market fundamentals.

• What is HEI?

Home Equity Investments provide homeowners with immediate capital in exchange for a share of future home appreciation. Homeowners retain ownership & can exit at any time through sale or refinancing, while investors participate in long-term residential value growth through shared appreciation structures.

US Market Track Record

17-21%

Annual Returns

<1%

Default Rates

18mo

Avg Hold to Exit

20yr

Term Length

Australian Target Market

8%+

Target Market Home Appreciation

USD 1M+

Target Avg Equity Per Property

USD 2M

Target Median Home Value

USD 7T

Total Addressable Market

Structured Home-Equity Interests

Our innovative approach reimagines traditional home equity by incorporating bond-like downside protection mechanisms specifically designed for Australian homeowners. This hybrid structure combines the accessibility of conventional home equity loans with the sophisticated risk management of Home Equity Investments (HEI).

The result is a defensive credit instrument that provides homeowners with flexible capital access while delivering institutional investors an additional layer of protection through our floor structure, mitigating market downturns & enhancing risk-adjusted returns.

Hybrid Structure Framework

Downside Protection

Bond-like floor mechanism

Upside Participation

Shared appreciation model

Credit Enhancement

Dual-layer security structure

Market Adaptation

Australian-specific design

Australian Residential Credit Markets

Concentrated market dynamics & superior credit quality create compelling institutional opportunity in Australian residential equity markets.

USD3T+

Untapped Home Equity

4 Cities

75% Market Value

Market Concentration

Four major cities contain 75% of total market value, enabling focused deployment & operational efficiency.

Credit Quality

0.35% mortgage arrears rate demonstrates superior borrower quality & market stability compared to global peers.

Institutional Barriers

High stamp duty costs & regulatory constraints prevent direct institutional access, creating structured opportunity.

Technology Infrastructure

Most digitized real estate ecosystem globally enables instant valuations, partnership-led origination & selective underwriting.

Global Market Comparison

30-Year Appreciation

Sydney 5.3%

NYC 4.6%

London 4.4%

Median Prices (USD)

Sydney 1.06M

NYC 0.81M

London 0.70M

Sources: CoreLogic AU, S&P Case-Shiller, ONS