Sometimes life can be unpredictable and when you need to access your home equity will be beyond your control, which is okay. When you do have the flexibility to choose though, you should consider the potential upside that lies in accessing your equity and how this will impact your overall financial position moving forwards. If an investment opportunity presents itself to you which you can confidently conclude will provide returns which outweigh the cost of increased interest expenses on your home loan, then you might decide that accessing equity in your home will work for you.