LVR and equity release calculator
Estimate available equity across one or more properties at a target LVR and across common LVR bands.
Estimated results
What these figures mean.
This calculator adds up the value and existing debt across up to three properties and shows how much equity could be released at different LVR levels. Enter the value and existing debt for each property you want to include — leave a row at zero if you only have one or two properties. Current LVR shows where the combined position sits today; the band table then shows, purely as a guide, how much equity would be available if a lender funded to 50%, 60%, 65%, 70%, 75% or 80% of total value, and the target LVR field lets you test a specific number a lender has quoted.
Available equity assumes the existing debt across all properties is retained or repaid from the new facility — it does not account for separate loans that must stay in place, cross-default terms, or a lender's view of individual property quality, which can all reduce what is actually available. Higher LVR bands are typically only available for stronger, more liquid security and shorter terms; a facility at 80% will usually cost more than one at 50%. This is an early indication only — actual available equity depends on updated valuations and the specific lender's appetite for the security type, and is arranged through banks, private lenders, non-bank lenders and specialist funds depending on the assessment.
LVR and equity release — questions we are asked.
Why does the equity available change so much between LVR bands?
Because equity release is the gap between a percentage of value and existing debt — a small change in the LVR band can be a large change in dollars once you are working with commercial property values.
Can I use this for a mix of commercial and residential security?
Yes — enter each property's value and debt separately; just note that lenders typically apply different maximum LVRs to each security type.
Does this account for valuation costs or other fees?
No — this shows a gross equity position only. Establishment fees, valuation costs and legal costs would typically be deducted from, or added to, the facility separately.
What if one property has no debt against it?
Enter 0 in its debt field — the calculator will still include its full value in the combined total.