Calculator
Usable Equity Calculator
Estimate how much equity may be available for an investment property, renovation, refinance or business purpose.
Estimated usable equity $0
Total equity$0
Max debt at selected LVR$0
Estimated LVR today0%
The max number is the starting point, not the target
This calculator shows you the maximum equity a lender will release at your chosen LVR. In practice, most borrowers access less than the full amount and retain a cash buffer of $20,000 to $50,000 for costs, contingencies and holding capacity.
Lenders also need to assess serviceability separately. Having the equity available does not automatically mean you can borrow against it - your income, existing debts and the purpose of the funds all factor into whether it gets approved.
If the number looks useful, the next step is a quick conversation to find out what it could actually do for you.