Property Equity & Equity Release Calculator
Use this calculator to estimate your current property equity, loan-to-value position and how much additional finance the property may potentially support. Adjust the property value, outstanding debt and planning Loan-to-Value (LTV) ratio to explore different scenarios and understand how the position changes.
This calculator provides indicative planning estimates only and does not represent a property valuation, lender assessment, quotation, pre-approval or approval.
Property Equity & Equity Release
Understand how much value may be available in your property.
Estimate your current property equity, loan-to-value position and how much additional finance the property may potentially support at different LTV levels.
Adjust the sliders or enter exact values. Results update instantly.
Your property position
Approximate figures are fine — you can refine them at any time.
Use a recent valuation or a realistic estimate of the property's current market value.
The approximate amount currently owing on loans secured by this property.
The outstanding debt entered is higher than the estimated property value, resulting in negative equity.
Use this to explore how much total finance the property could theoretically support at different LTV levels. This is a planning assumption, not a lender commitment.
Indicative additional finance capacity
R600,000
Subject to lender assessmentEstimated property value
R3,000,000
Current property equity
R1,500,000
Current LTV
50.0%
Current property debt
R1,500,000
Current position
How your property value splits today.
The full bar represents your estimated property value of R3,000,000.
At your selected 70% planning LTV
What the property could theoretically support.
A planning calculation only. Finance providers apply their own valuations, LTV limits and lending criteria.
- Total finance potentially supported R2,100,000
- Current debt R1,500,000
- Estimated equity remaining at this planning LTV R900,000
- Indicative additional finance capacity R600,000
Your current debt already exceeds the finance amount the property would support at this planning LTV.
What could different LTV levels mean?
The same property at different planning LTV levels.
Explore how the amount of finance potentially supported by the property changes at different planning LTV levels.
Equity release scenario
How would additional finance change your LTV?
This is a secondary scenario tool and does not change your property or debt inputs above.
Test any amount to see the resulting loan-to-value position.
If you added R300,000 of finance
Planning comparison
Property value required at 70% LTV
R2,571,429
What if the property is valued differently?
A different valuation changes the whole position.
A lender may use its own valuation. See how a different property value could affect the LTV and indicative additional finance capacity.
Valuation sensitivity
Important distinction
Equity is not the same as available finance.
Property equity is simply the difference between the estimated property value and the secured debt outstanding. The amount that may actually be released as additional finance can be lower because finance providers also consider affordability, income or cash flow, credit profile, property type, security, purpose and their own lending criteria.
Your estimated equity
R1,500,000
Property value less secured debt outstanding.
Indicative additional capacity
R600,000
Theoretical capacity at your selected planning LTV, subject to lender assessment.
What these numbers tell you
A plain reading of your position.
How this estimate works
Property equity is calculated as the estimated property value less the outstanding secured debt. The planning LTV is then applied to the estimated property value to calculate the total finance the property could theoretically support at that LTV. Existing secured debt is deducted to estimate potential additional finance capacity.
This is a planning calculation only. Finance providers may use different property values, loan-to-value limits and lending criteria, and will also assess affordability or cash flow before deciding whether additional finance can be provided.
Want to understand whether your property could support additional finance?
Property value and equity are only part of the assessment. We can help you assess the requirement, understand the available security, structure the finance case and consider suitable funding routes.
Start with your situationThis calculator provides indicative planning estimates for general information only. Property equity does not mean that the same amount is available to borrow. Actual property values, loan-to-value limits, affordability requirements, interest rates, security requirements, fees, credit criteria and lending decisions vary between finance providers. Results do not constitute financial advice, a valuation, quotation, pre-approval or indication that finance will be approved.
Finance providers may require an independent or internal property valuation and may apply a value different from the estimate entered.
LookingForFinance assesses, structures and positions your finance requirement. Qualifying applications are referred to suitable regulated financial services providers.
START THE CONVERSATION
Whether you are still planning or need finance now, tell us what you are trying to achieve and where you are in the process. We’ll help you understand your position, identify what needs attention and determine the most sensible next step.
No obligation. No long application form. Start with a conversation.
Joe Meyer
email:
WhatsApp:
060 016 5253
TELL ME ABOUT YOUR SITUATION
Tell us what you're planning and where you are in the process. It only takes a minute or two, and gives us the context to continue the conversation with purpose.
LookingForFinance assesses, structures and positions your finance requirement. Qualifying applications are referred to suitable regulated financial services providers.
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