Free Property Investment Tool
Equity Unlock Calculator | Access Your Property Equity
Calculate how much equity you can unlock from your existing property portfolio to fund your next investment purchase. Based on your current property values, loan balances, and lender LVR requirements.
How to Use This Calculator
- Enter your current property values and loan balances
- Set your target Loan-to-Value Ratio (LVR)
- See available equity and how much you can access
- Calculate how far the unlocked equity goes toward your next purchase
Frequently Asked Questions
How does equity unlock work for property investment?
You can access equity in existing properties through refinancing or a line of credit. Lenders typically allow up to 80% LVR, meaning if your property is worth $800K with a $400K loan, you have $240K of accessible equity.
Can I use equity to buy another investment property?
Yes. Unlocking equity is one of the most common strategies for growing a property portfolio. The equity can fund the deposit and costs on a next purchase without additional cash savings.
Does depreciation help me build equity faster?
Depreciation reduces your taxable income, improving cash flow. Better cash flow allows faster debt reduction, which builds equity more quickly. It also improves your debt-servicing capacity for future borrowing.
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Need a Professional Report?
This calculator provides indicative estimates, not a tax assessment. Koste residential reports cost $695 + GST. Our published residential target is 10 business days from payment. Missing information, access requirements or unusual complexity can affect delivery. Please confirm any tax or settlement deadline with Koste before ordering. Commercial timing is confirmed for the individual scope. Confirm your tax treatment with your accountant.
Results are estimates only and do not constitute financial or tax advice. Koste Chartered Quantity Surveyors · AIQS Member · RICS Member · TPB Registered · 1300 669 400 · info@koste.ai