The equity portion required will depend on what the property will be used for. For owner-occupied residential property, equity worth 20% of the market value is normally necessary. At least 10% of this figure must be so-called ‘hard’ equity. This means the money may not come from an occupational pension (pension fund). Equity can include savings, 3rd pillar investments and easily realisable assets. If you receive an advance on inheritance or a gift, you can also use this capital to fund your house purchase. More equity is necessary when buying investment and holiday properties.