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Useable Equity Calculator

UnderstandΒ exactly how much Useable Equity you have hiding in your portfolio.

The free Useable Equity Calculator shows your total equity, useable equity across all your properties, and the value of your next potential purchase β€” all in under 2 minutes.

Nathan Broughton Useable Equity Calculator NZ LVR rules applied
Owner 80% Β· Investment 70%
NZ LVR rules applied automatically. Owner-occupier properties use an 80% LVR (20% equity buffer). Investment properties use the 70% LVR rule (30% buffer as required by the RBNZ).
Owner-occupier: 80% LVR Investment property: 70% LVR
Owner-occupier home
Home
Enter values below β–Ό
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$
$
Total equity
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Useable equity
β€”
Current LVR
β€”
LVR limit
80%
LVR vs 80% bank limit β€”
80%
Investment properties
0 of 4 added
Portfolio summary 1 property
Total portfolio value
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Total debt
β€”
Total equity
β€”
Total useable equity
β€”
Value of next purchase
Using useable equity as a 30% deposit at 70% LVR
β€”
Blended portfolio LVR β€”
70%
80%
Enter your property values and mortgage balances above to see your useable equity position.

Property breakdown

Property Value Mortgage Total equity Useable equity LVR
Portfolio total β€” β€” β€” β€” β€”
Useable equity figures are estimates based on standard NZ LVR rules. Actual borrowing capacity depends on your income, credit profile, and individual bank policies. These figures do not constitute financial advice β€” confirm with your bank or mortgage adviser before making any decisions.