What's the difference between equity and usable equity?

Total equity is value minus loan. Usable equity is (80% of value) minus loan — the portion lenders typically release without LMI. It's always smaller, and it's the number that funds your plans.

How do I access my equity?

Via a loan top-up, a separate split, or a cash-out refinance to a new lender. Purpose, amount and lender policy determine the best route — we structure this weekly.

What can equity be used for?

Renovations, investment property deposits, debt consolidation, vehicles or major expenses. Investment uses benefit from clean split structures for tax traceability — talk to us and your accountant.

How accurate is my property value estimate?

Online estimates vary widely. Lenders use their own valuations — which also differ between lenders by significant margins. We often test several before choosing where to apply.

Free Tool

Equity Calculator

Equity is your property's value minus what you owe — but the number that matters is usable equity: what lenders will actually let you access, typically up to 80% of the value. Calculate both here.

Estimated property value$800,000

$100k$3M

Current loan balance$450,000

$0$3M

Usable equity (at 80% LVR)

$190,000

Total equity$350,000

80% of property value$640,000

Current LVR56.3%

Usable equity assumes lending to 80% LVR without LMI. Higher may be possible with cost. Lender valuations vary - often by tens of thousands on the same property.

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