How much equity can you actually use?
Your home may be quietly funding your next purchase. See your usable equity (to 80% of value) and an indicative budget for the next property.
How it works: lenders typically let you borrow up to 80% of your property's value without LMI. Usable equity = (value × 80%) minus your current loan. Used as a deposit plus costs, that equity can fund a much larger next purchase — subject to your income and serviceability.
Usable equity
$0
Accessible to 80% of value
Indicative next-purchase budget
$0
Equity as deposit + costs (subject to serviceability)
| Total equity (value − loan) | $0 |
| Current LVR | 0% |
Disclaimer: Indicative only and not a loan offer or credit advice. Accessing equity depends on a lender valuation, your income and serviceability, lender policy and LMI where applicable. "Buying power" is a rough guide assuming the equity covers your deposit plus costs; actual capacity is set by serviceability, not equity alone. Contact Smart Buyer Hub for a precise assessment.