LVR & equity
How much of the house is actually yours?
Enter an estimated property value and what you still owe to see your loan to value ratio, the equity you hold, and how that sits against the 80% mark most lenders price off.
Your own estimate. A lender relies on its own valuation, which can differ from what you expect.
Loan to value ratio (LVR)
56%
Below the 80% mark most lenders price off.
Equity in the property
$400,000
Estimated value less what you still owe
Equity under 80% LVR
$220,000
Illustrative only — not an amount any lender has agreed to release
How this works
Your loan to value ratio is simply what you owe divided by what the property is worth. It matters because it is one of the first things a lender looks at: the lower it is, the more room you generally have, and the more options tend to be open to you.
The 80% line shown on the dial is a common market convention rather than a rule. Most Australian lenders treat it as the point above which lenders mortgage insurance usually applies, and many price differently either side of it. Individual lenders set their own thresholds and their own policies, and some treat particular professions, property types or locations quite differently again.
Two things this cannot know. The first is what your property is actually worth: the figure that counts is the lender's own valuation, which can come in below what you expect and is the single most common reason a real LVR differs from a calculated one. The second is whether any equity is genuinely available to you, which depends on your income, your existing commitments and the lender's policy at the time, not on the arithmetic here. If you are weighing up what your equity could do, that is worth talking through with David.
General information only, illustrative only.This calculator is not a quote, a pre-approval, a valuation or a form of credit assistance. The property value you enter is your own estimate, not a lender's valuation. The 80% level shown is a common market convention, not a rule, a promise about pricing, or a statement that lenders mortgage insurance will or will not apply to you. Whether any equity can actually be accessed depends on the lender, its current policy and your individual circumstances.
The Clarity Call
Find out where you actually stand.
A 20-minute conversation with David about your loan, your equity and your options. It’s a conversation, not an application. No documents, and nothing goes on your credit file. If it turns up something worth pursuing, you’ll have a clear next step. And if the honest answer is ‘not yet’, you’ll hear that too. The straight answer is the point, either way.
Book my Clarity CallSee how we could helpNo cost · No obligation · No credit enquiry · A straight answer either way