Home loans and mortgages

Equity Calculator

How much equity can I use?

Live estimate

See how much equity you can use

Enter what the home is worth and what is owed on it to see your equity, your loan-to-value ratio and what a lender could release.

Home value

Outstanding mortgage

Your estimate

Usable equity (up to 80% LVR)

$200,000

Home equity

$400,000

Loan-to-value ratio

60%

Leverage ratio

2.5x

Home value / equity

Usable equity assumes a lender will lend up to 80% of the home’s value. Estimates only - a lender will use its own valuation and policy.