EP: 2497•13 Jul 2026

Cash Or Equity? The Better Investment Deposit⎟Ep. 2497

About this episode

You've saved your deposit. Now comes the harder question: should you use your cash or your equity?

In this episode, Ed and Andrew compare both strategies using real numbers, showing why the answer isn't always as obvious as it first seems.

You'll learn:

Whether to use cash or equity for your next investment property deposit
A full worked example showing what the numbers actually look like
The counter-intuitive decision most experienced investors make

The best choice isn't always the one that makes a single property look better. It's the one that puts your overall financial position ahead.

And if you want to talk to one of our mortgage advisers, just reach out to ⁠⁠Opes Mortgages⁠⁠ for a free meeting.

Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.

Ok, now for the legal bit:

The Property Academy Podcast is for your general information. It’s not financial advice.

So the hosts aren’t telling you what to do with your own money. We’ve made every effort to make sure the information is accurate. But we occasionally get the odd fact wrong.

Make sure you do your own research or talk to a financial adviser before making any investment decisions.

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And if you want to talk to one of our mortgage advisers, just reach out to ⁠⁠⁠⁠⁠⁠Opes Mortgages⁠⁠⁠⁠⁠⁠ for a free meeting.
Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.
Do I Now Regret Buying 3x Properties in NZ⎟Ep. 2496
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Looking to calculate and compare your mortgage repayment options? Use our mortgage calculator to find out your potential monthly payments.
Think Your House Is Worth More Think Again⎟Ep. 2494

Cash Or Equity? The Better Investment Deposit⎟Ep. 2497

About this episode

The Managed Fund Mistake Most Investors Make⎟Ep. 2498

Do I Now Regret Buying 3x Properties in NZ⎟Ep. 2496

We Moved Overseas... And Kept Both Houses⎟Ep. 2495

Think Your House Is Worth More Think Again⎟Ep. 2494