Property owners
Usable equity calculator
Work out how much of your home's equity you may be able to use for a renovation, an investment deposit or other plans.
How this calculator works
- Usable equity is the lending limit (a percentage of the property's value) minus your current loan.
- Above 80% usually means lenders mortgage insurance.
- The lender's valuation and your income decide the real figure.
This calculator gives estimates for general information only. It isn't a quote, an offer or an approval, and it doesn't consider your objectives, financial situation or needs. Results depend on the figures you enter and the assumptions above.
Want a real number?
Calculators are a starting point. In a 20-minute call we can tell you what lenders are likely to say about your situation.