Understand your loan-to-value ratio—not how much you can borrow.
This calculator estimates a simple loan-to-value ratio (LVR) using a property-value assumption you enter and the home-loan balance you provide. It can also show how much headroom there may be to a selected LVR threshold, such as 80%.
These figures are general illustrations only. They are not a lender valuation, approved borrowing limit or recommendation to increase your home loan.
Start the CalculatorYour estimated equity and LVR
These figures are based on the information you entered and are general estimates only. They are not a lender valuation, borrowing limit, approval or recommendation.
Enter a property-value assumption and loan balance, then select Estimate to see the result.
This Equity & LVR Calculator provides general estimates only. It does not use a lender valuation, does not show approved borrowing capacity and does not constitute a recommendation to increase your home loan or rely on equity.
What this Equity & LVR estimate can—and cannot—tell you.
It can help you explore
- Whether the simple LVR based on your estimate is above, near or below a comparison point like 80%.
- How a proposed extra borrowing amount might change that simple LVR.
- The idea that a higher loan relative to property value means a higher LVR.
It cannot tell you
- Whether a lender will accept the property or approve a loan.
- Whether additional borrowing is suitable for you.
- Whether you can remove LMI.
- Whether refinancing will reduce your repayments or total interest.
- The real market value of your property.
- How much you can safely borrow.
More estimated equity does not automatically mean more mortgage freedom.
When used carefully, equity can support goals such as renovations, restructuring debt or investing. It can also increase debt secured against your home, potentially delaying mortgage freedom or increasing your exposure if circumstances change.
More borrowing generally means more debt
Using equity typically increases the home-loan balance, which can increase the time in debt and the amount of interest charged.
LVR is only one piece of the puzzle
Serviceability, income stability, other debts, credit history, property type and lender policy all matter in addition to LVR.
Alternatives may also be considered
Depending on the objective, alternatives to additional borrowing may deserve attention before increasing a home loan.
See how equity and LVR fit into your broader mortgage picture.
The Mortgage Freedom Review can place an equity and LVR estimate alongside your current loan information, repayment and interest scenarios, switching costs, loan term and the possible Stay, Reprice or Refinance paths.
This starts an enquiry—not a loan application, approval, recommendation to borrow more or guarantee that equity will be accessible.
This Equity & LVR Calculator provides general estimates only. Results are not a lender valuation, approved borrowing capacity or a recommendation to increase your home loan.
Important — General Information Only
This information is general in nature and does not take into account your personal objectives, financial situation or needs. It is not personal advice, credit advice, tax advice or legal advice, and is not a recommendation to enter into, refinance, or remain in any particular credit contract. Any figures, calculations, or projections shown are simplified examples for illustration only — they are not guarantees or forecasts, and actual outcomes will vary based on your circumstances and the lender's assessment.
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