LVR & Usable Equity Calculator

Estimate your loan-to-value ratio and how much equity you may be able to access from your property, based on the figures you provide.

Property & loan details
$850,000 property · $420,000 owing
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Enter 0 if you don't currently have a loan against this property.
Total equity$0
Usable equity at 80% LVR$0
Usable equity at 90% LVR$0
Borrowing above 80% LVR typically requires Lenders Mortgage Insurance (LMI), which adds to the cost of the loan.
Ready to Unlock Your Equity?
Structure the perfect equity release strategy for renovation, investment purchases, or consolidating high-interest debt. See exactly how much you can borrow and explore approving lenders.
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Important information: This calculator provides an estimate only and does not constitute a loan offer, pre-approval, or personal financial or credit advice. Usable equity figures assume standard lender equity release thresholds (80% and 90% LVR) and do not account for lender-specific policies, property type, location, or your income and expenses. Actual borrowing capacity depends on a full serviceability assessment, credit history, and lender valuation of the property, which may differ from the value entered above. Borrowing above 80% LVR will generally require Lenders Mortgage Insurance (LMI), the cost of which is not reflected in this estimate. Speak with us for an assessment based on your full circumstances.