Normally you think of mortgages taking money out of your pockets but in fact equity home loan mortgages are a good way to greatly increase your wealth. I am of course talking about using your home as collateral to borrow money to purchase more property. Done the right way you borrow enough to buy an investment property and rent out this building for as much as the market will give you. This rent then pays most or all of your equity home loan mortgage repayments and you sit back and watch the value of the investment rise. Do not over commit yourself on mortgage repayments over and above the rental income and this can be a nice, worry free investment for the future. That in its simplest form is a great wealth building exercise. Just bear in mind you may have to be patient because property does not always increase in value as quickly as it has over the last few years but over the long term gains are always worthwhile. Many people continue to work this formula as the value of their properties increase. They borrow against the increase in value and buy more properties. When you have enough investment property just borrow and take the money out for your own personal use. By this stage you would want your rents to have increased sufficiently to cover the mortgage repayments. You can of course sell any or all of your investments to benefit from the accrued capital gains, but best opinion is to hold onto property and just borrow against it. There may be very good tax reasons not to sell. Anyway the choice is yours but do explore this option if you have a reasonable equity in your home. It is one of the simplest plans for building Wealth. There are plenty of good books on the subject and your accountant or mortgage manager can always offer advice. Start your mortgage experience off on the right foot. Get helpful hints and avoid some common mistakes. Visit Michael Jay at http://homes-mortgages.blogspot.com/