Equity Calculator
See how much equity you can access and how it affects your Loan-to-Value Ratio.
1Property & Loan Details
Selecting an LVR above 80% usually triggers Lenders Mortgage Insurance (LMI), which can be added to the loan or paid upfront.
Usable Equity Available
$150,000
Estimated Max ReleaseStrategic Use Cases
Investment: Use this equity as a deposit for an investment property.
Renovation: Fund a major kitchen or structural renovation to boost property value.
Australian Home Equity FAQ
Equity is the portion of your property you truly "own." It's the current market value minus your remaining mortgage balance. If your home is worth $1M and you owe $400k, you have $600k in total equity.
Market Growth
Value increases in your suburb automatically boost your equity without you paying an extra cent.
Extra Repayments
Using an offset account or redraw facility to pay down principal faster builds equity rapidly.
Renovations
Strategic structural improvements can increase your home’s valuation, unlocking more usable equity.
This tool is for illustrative purposes only. Actual borrowing capacity is subject to individual lender credit criteria and property valuation. Speak with a qualified mortgage broker for personalised advice.