Equity calculator
See how much equity you hold, and how much of it a lender may let you use.
estimated usable equity
- Total equity
- Most a lender may lend
- Current loan-to-value ratio
Estimate only. Usable equity is not money you automatically receive. You need the income to support the larger loan, and the lender orders its own valuation.
Total equity and usable equity
Total equity is your property’s value less what you owe. Usable equity is the part a lender will lend against. Most lend up to 80% of the value without lenders mortgage insurance, so that is the usual starting point.
What people use it for
- A deposit on an investment property or the next home
- Renovations and extensions
- Consolidating car loans, personal loans and cards
- A buffer for business or family plans
We set the new money up as its own loan split so it stays easy to track.
The valuation
Lenders use their own valuers, and results can come in under what recent sales suggest. Different lenders can value the same home differently. We can often get an indication before you apply.
Questions people ask
Do I have to refinance to use my equity?
Not always. Your current lender may increase your loan. Refinancing makes sense if another lender offers a better rate or a higher valuation.
General information, last updated November 2026. Scheme figures, lender policies and duty rates change, so confirm them before you rely on them.
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