Homeowner Situations
I Need Money
My Home Needs Work
I Have Equity but Limited Income
I own my home but need funds for an important expense.
My property needs repairs or renovation but I don't have enough cash.
Much of my wealth is tied up in my property.
I’m Thinking About Downsizing
I Want to Understand My Options
My home is larger than I need and I want to understand my options.
I’m unsure whether borrowing, refinancing, selling or another strategy makes sense.
Illustrative Scenario
Realistic Australian Example
Margaret & David's Situation
Margaret and David, both in their early 70s, own a Queensland home worth about $900,000 with a small remaining mortgage. Their retirement income is limited, their savings are modest, and the home needs around $60,000 of repairs.
$900k
Home valuation in Queensland
$60k
Estimated repair budget needed
Rather than jumping to a quick decision, they evaluate four potential pathways: selling as-is, renovating before selling, downsizing to a smaller property, or exploring available equity through finance.
They first review their overall property position, finances, long-term personal goals, potential costs, and risks before deciding on any action. A Home to Love looks at the broader property situation, while Erba Finance focuses on the finance side if borrowing proves appropriate.
Disclaimer: This scenario is purely illustrative to demonstrate how property and finance pathways can be evaluated. Individual results depend entirely on personal financial position and lender requirements.
Step-by-Step Pathway
Homeowner Journey
Tell Us Your Situation
Understand Your Position
Explore Possible Options
What is happening and what do you need?
Look at your property, equity, finances and goals.
Consider relevant property and finance pathways.
Understand the Numbers
Decide Your Next Step
Review costs, repayments, risks and eligibility.
Make a decision based on what you understand and what suits your circumstances.
Working Together
Erba Finance’s Role
A Home to Love
Erba Finance
A Home to Love explores the broader property situation — including renovation potential, downsizing pathways, property evaluation, and living goals.
Erba Finance focuses specifically on the finance component, including reviewing your financial position, calculating borrowing capacity, and presenting potential lending pathways where borrowing is appropriate.
Our Commitment: We do not promise loan approvals, interest rates, specific cost savings, or guaranteed financial outcomes. All lending pathways are subject to lender criteria and formal credit assessment.
General Information Notice
The information contained on this page is general information only and does not constitute financial, legal, tax, accounting, or personal advice. Outcomes depend entirely on individual circumstances. Any potential finance or credit option remains subject to formal application, lender terms, fees, eligibility criteria, and assessment.