When to access equity?
Timing is everything. Is goes without saying that when property markets are buoyant and auction clearance rates are high values increase. Increases in the value of your property assets create potential cash or equity that can be used to invest.
You may not want to invest today but cashing out while values are highest is prudent in some cases. It can be structured so there is no interest cost between now and when you invest.
Your mortgage broker will need to discuss various issues with you but buying your straw hats in the winter is and has always been a tried and true way to get ahead.