Enter your properties below. See the equity your statements imply, the amount a lender may actually release and what that could indicatively support next. The two numbers are rarely the same.
Private by design. Your numbers never leave your browser. Nothing is stored, nothing is sent and no email address is asked for. Close the page and the figures are gone.
Enter an estimated value and loan balance on your first property and your position appears here as you type.
Up to $0 at 90% LVR, where LMI applies.
These are ceilings, not offers: up to these amounts may be usable, subject to lender valuation, lender policy and your serviceability.
If the usable equity at 80% LVR funded a 20% deposit plus roughly 5% in costs, it could indicatively support around this much purchase price. Indicative only: serviceability, not equity, decides the real number.
This tool maps your equity. It cannot assess your serviceability, and serviceability decides what you can actually do with it. That is the other half of the map.
Estimates only, calculated solely from the figures you enter. Actual releasable equity depends on lender valuation, lender policy, loan type and your serviceability, and releasing above 80% LVR usually means paying LMI. General information only, not credit advice.
Every property carries two equity numbers and investors routinely plan around the wrong one. Equity on paper is the simple subtraction: estimated value minus loan balance. Usable equity is what a lender may actually release, normally capped so that total lending stays at or below 80% of the property's value, or around 90% where LMI applies. This calculator applies that method to each property standalone.
| Example | How it is calculated | Amount |
|---|---|---|
| Equity on paper | $800,000 value minus the $400,000 loan | $400,000 |
| Usable at 80% LVR | 80% of value is $640,000, minus the $400,000 loan | $240,000 |
| Usable at 90% LVR with LMI | 90% of value is $720,000, minus the $400,000 loan | $320,000 |
Serviceability then trims whichever number applies: a lender will not release equity your income cannot carry, whatever the valuation says. The full framework, including the three equity numbers and how a release is structured properly, is in Equity mapping. What you can actually access.
For each property it multiplies your estimated value by the lender threshold (80%, or 90% where LMI applies), then subtracts your current loan balance. On an $800,000 property with a $400,000 loan that is $240,000 at 80% LVR. Each property is mapped standalone, never pooled, and the result is a ceiling: what a lender may release, subject to valuation, policy and serviceability.
Statement equity is value minus debt, a paper number. Lenders will not lend against all of it: most cap total lending at 80% of the property's value, or around 90% with LMI. The difference between the two figures is often hundreds of thousands of dollars, which is why equity gets mapped rather than assumed.
No. It maps equity, which is one half of the picture. The other half is serviceability: whether your income can carry the new lending under each lender's assessment rules. Serviceability usually decides the real number, and it can only be assessed individually. Every figure this tool shows is subject to serviceability and lender policy.
No. The calculator runs entirely in your browser. The figures you type are never transmitted, stored or attached to any form, and they disappear when you leave the page. No email address is required to see your results.
A 15-minute fit call with our team. No pitch. No obligation. A conversation about what your equity position could support once serviceability is mapped across the lender panel.