Equity Calculator

How much equity do I have in my property? Estimate the available equity within your current property and assess how it could improve your borrowing capacity and help you purchase your next property.

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What you need to know about home equity

Learn what home equity is and how you can access it.

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Just exploring? Try our jargon-free guides

The what, why and how of refinancing home loans

Our guide covers the most essential information you need for refinancing home loans.

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How much deposit do I need for a home loan?

Your home loan deposit determines what loan you qualify for and what property you can afford.

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Lenders Mortgage Insurance explained for home buyers

To get into the property market sooner, you may consider LMI instead of waiting for the 20% deposit.

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How do I calculate equity in my home?

  1. Assess the current market value of your property.
  2. Find out the outstanding balance on your home loan.
  3. Subtract the loan balance from the property value - this is the portion you own outright or the equity in your home.
  4. Subtract the loan balance from the property value x 80% - this is the portion of the equity you can draw a loan against as lenders would typically lend up to 80% loan-to-value ratio.
  5. Continue building equity in your home by paying down your loan principal and benefiting from increasing property values (based on market movements).

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