A strategic proposal to pivot from Equivest.AI's two-sided marketplace to Unlockd's simpler, more scalable, and higher-valuation infrastructure play.
Current
Equivest.AI
Proposed
Unlockd
Scroll to explore the opportunity
The Core Insight
The average Australian household has $1.44M in dwelling wealth, yet faces rising income volatility and limited access to their own equity without taking on more debt.
Wealth Trapped in Property
in residential property equity across Australia—largely inaccessible without traditional refinancing or selling.
40%
of household wealth locked in homes
6.7M
owner-occupied properties
The Macro Tailwind
AI will reshape the workforce. Millions will need a bridge—not a bailout.
of jobs exposed to AI automation in the next decade
— Goldman Sachs, 2024
average Australian mortgage balance—the highest in history
— ABS, 2025
average time to find equivalent work after displacement
— McKinsey Global Institute
When income disappears, homeowners face an impossible choice: sell the family home or drown in debt.
Banks won't refinance without income. Credit cards spiral. Savings evaporate. The clock runs out.
Access a portion of your equity—no income required. Stay in your home. Buy time to retrain, pivot, or rebuild.
Share a small slice of future appreciation instead of losing everything today.
Unlockd isn't just a product. It's a safety net for the AI economy.
"I was a senior software developer for 15 years. Then my entire team was replaced by AI tools. With a $700K mortgage and two kids, I had 6 months before we'd have to sell. Unlockd gave us 3 years of runway—enough time for me to retrain and land a new role. We kept our home."
— Future customer story (illustrative)
Strategic Choice
Both models tap into home equity, but they operate fundamentally differently.
Current Model
Two-sided marketplace connecting property developers with retail investors for fractional real estate deals.
Requires sourcing developers AND investors
Complex legal structuring (SPVs, trusts)
Long sales cycles (6-12 months)
High customer acquisition cost on both sides
Linear growth tied to deal flow
Growth Model
Linear • Deal-by-Deal
Proposed Model
Single-sided platform enabling homeowners to unlock equity through home equity agreements—no new debt required.
Only homeowners to acquire (single-sided)
Standardized agreements, minimal legal friction
Fast time-to-cash (days, not months)
Built-in viral loop (outcome = referral)
Compounding contract book creates recurring value
Growth Model
Exponential • Compounding
Enter address, get instant equity estimate
Automated property & ownership checks
Clear terms, no hidden fees
Digital signing, no bank visits
Cash deposited to your account
The Mental Model
Afterpay unlocked future income for spending today. Unlockd unlocks existing wealth without creating new debt.
Splits future income into payments, enabling purchases today. Creates new financial obligation.
Unlocks: Future Income
Access equity through new debt. Monthly payments required. Credit score dependent.
Unlocks: Debt Capacity
Converts existing equity to cash with no monthly payments. Settles when you sell or refinance.
Unlocks: Existing Wealth
How It Works
Calculate exactly what you'd receive or earn.
No Monthly Payments
You only repay when you sell or refinance. Live in your home as normal.
This is the portion of equity you're unlocking
Cash deposited to your account
$112,500
No monthly payments. No interest. Just cash.
How repayment works
When you eventually sell your home, 10% of the sale price goes to the investor. That's it — no monthly bills, no interest accruing.
Homeowner lives normally. Settlement only at sale or refinance.
Investor shares in property growth. Both sides win when value increases.
Sale, refinance, or end of 10-year term. No ambiguity.
⚖️ Legal Framework
Unlockd is not a loan, and you're not selling your home.
Instead, you enter a simple contract that allows you to receive cash today in exchange for a small share of your home's future value. You remain the owner of your property, continue living in it, and keep full control over day-to-day decisions.
There are no repayments, no interest, and no requirement to sell your home. The agreement is recorded on the property title so that both you and the investor are protected.
If your home is sold or refinanced in the future, the investor receives their agreed share at that time. Until then, nothing changes for you.
This is a general explanation only and does not constitute legal advice. You're always free to seek independent legal advice before proceeding.
The Strategic Advantage
Only acquire homeowners. No chicken-and-egg marketplace problem.
"I just got $100k from my house" is a story people share.
Every contract adds to a growing book that appreciates over time.
Launch with existing capital. Validate before scaling.
Head-to-Head
10-Year Projection
Compounding contract books vs. event-based deal flow.
Linear growth tied to deal volume
Compounding contract book appreciates with market
2.5x
Higher valuation potential
$1.6B
Additional value created
∞
Recurring revenue potential
Capital Deployment
Deploy capital into Australian residential property at a built-in discount.
Buy Property Equity At
Discount to Face Value
Investors pay $150k for $200k of property equity—instant margin of safety built in.
$9.2T
Addressable market
7-12%
Target IRR
Every dollar deployed is secured against Australian residential property—the most stable asset class in the country.
No tenants, no management, no maintenance. Pure capital appreciation exposure without landlord headaches.
The 22-30% discount creates a buffer. Property must fall significantly before capital is at risk.
As deals close, build a diversified book of property-backed contracts that grows with the market.
💰 Capital Raise
Here's exactly how a single $10M commitment gets deployed and what it returns.
$10M
Investor Capital
$75k
$120k
$95k
$80k
$110k
$85k
$100k
$90k
$105k
$115k
$70k
more
100+ residential properties across Australia
5 Years
→After 5 Years
Projected Value at Exit
$16.3M
+63% Total Return
~10.3% annualized
$100k
Avg. Deal Size
100
Properties Funded
25%
Avg. Discount
5 yrs
Avg. Hold Period
Assuming 4% annual property growth, 25% average discount
| Metric | Day 1 | Year 1 | Year 3 | Year 5 |
|---|---|---|---|---|
| Capital Invested | $10M | $10M | $10M | $10M |
| Face Value of Equity | $13.3M | $13.9M | $15.0M | $16.3M |
| Paper Gain | +$3.3M | +$3.9M | +$5.0M | +$6.3M |
| Total Return | +33% | +39% | +50% | +63% |
| Annualized IRR | — | 39% | 14.5% | 10.3% |
Even with 0% property growth, investor profits from discount alone
We Need
1 Investor
Committing
$10M
To Generate
$16.3M+
Revenue & Valuation
Three revenue streams create a compounding, high-margin business.
3.75%
Taken upfront from deployment capital on every deal
Example: $100k advance = $3,750 immediate revenue
1-2%
Percentage of final equity value when property sells
Example: $200k equity at exit = $2-4k success fee
0.4-0.75%
Annual fee if homeowner extends beyond initial term
Recurring revenue on long-hold properties
📈 The Compounding Effect
Every contract represents legally enforceable future revenue. Unlike traditional businesses that must earn future profits, Unlockd's contract book contains unrealized gains that will materialize when properties sell.
The Key Insight
A buyer isn't just buying revenue—they're buying a locked-in book of contracts that will generate fees when properties sell. This is unrealized but legally guaranteed profit.
Implied Valuation at Year 5
$96M
Based on 8x revenue multiple ($12M ARR)
Valuation Growth (Years 1-10)
Buyer's Perspective
Acquiring Unlockd means buying 1,200 active contracts with guaranteed future fees. Unlike buying a traditional business, this is buying locked-in profits.
Risk Analysis
Simplicity isn't just elegant—it's strategic.
Marketplace Cold Start
Need both sides to reach critical mass
Developer Dependency
Quality deal flow relies on external parties
Regulatory Complexity
Fractional ownership triggers MIS rules
Long Feedback Loops
Months to learn if model works
No Cold Start
One customer type, one value prop
Supply Control
We source deals directly from homeowners
Cleaner Structure
Standard HEA agreements, lighter compliance
Fast Learning
Days to close, rapid iteration
Consumer Experience
The above-the-fold landing page experience
Get cash from your home equity today. Pay it back when you sell—or anytime you choose. It's that simple.
Quick estimate for your home
Quick online form. Takes 2 minutes.
We'll value your home and send a personalized offer.
Money in your account. No monthly repayments.
↑ Consumer-facing landing page mockup — Above the fold experience
Plain language. No jargon. The value proposition is understood in 5 seconds.
Regulation badges, reviews, and social proof reduce anxiety.
Calculator on page 1. Show them the number before asking for details.
The Ask
We don't need belief. We need data. Use existing committed capital for 10–20 pilot deals to validate the model before full commitment.
$500K–$1M for initial 10–20 deals
Validate demand, ops, and unit economics
Data-driven go/no-go on full pivot
Prepared for Aquiver Partners • January 2026