Calculator
Usable Equity Calculator
Estimate how much equity may be available for an investment property, renovation, refinance or business purpose.
Want these numbers checked? Talk through the result with Rowan before you make a decision.
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.