Calculator
Home Equity
See how much equity you've built and how much is usable to fund your next move.
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Usable equity
$340,000
Up to 80% LVR before LMI
Total equity
$530,000
Value less loan balance
Current LVR
44.2%
Loan / property value
Max loan at LVR cap
$760,000
Total facility against this property
Buying power (next purchase)
$1,307,692
Using 20% deposit + ~6% acquisition costs
Going above 80% LVR triggers Lenders Mortgage Insurance (LMI). Equity-funded investment purchases let you preserve cash; speak to your broker about cross-collateral risk before settling on the structure.
General information only. Calculations are indicative, based on simplified rules current at FY2024–25, and exclude items such as foreign buyer surcharges, off-the-plan concessions, principal-place-of-residence rules and lender policy variation. Always verify with your accountant, broker and the relevant State Revenue Office calculator before transacting.