Home Equity Calculator
Separates the equity you earned from the equity you got lucky on.
Work out Home Equity. Separates the equity you earned from the equity you got lucky on. States the assumption instead of hiding it.
Current equity
151,634
54.2% of the value · LTV 45.8%
The split between the two sources of equity matters more than the total. Equity from appreciation is market luck and can reverse; equity from principal repayment is money you saved and cannot. A page reporting only the total hides which one you have. Mortgage repayment is heavily front-loaded toward interest, so early years build very little principal. On a 25-year loan at 5%, roughly a third of the balance is still outstanding after fifteen years of payments. The borrowable figure is what a lender would release at the stated loan-to-value. It is not free money — it is a new loan against the house, secured on it, at whatever rate applies today rather than the one on the original mortgage.
How the Home Equity Calculator works
Current equity split between appreciation and principal repayment, with loan-to-value and how much a lender would release. The split matters more than the total — one source can reverse and the other cannot.
Also known as: how much equity do i have · loan to value calculator · how much can i borrow against my house · equity from appreciation or repayment
Not financial advice. This calculator is for planning and illustration, not financial advice. Real products carry fees, taxes, and terms it does not model. Confirm figures with your lender or a qualified adviser before committing.
Frequently asked questions
How do I calculate home equity?
Current market value less the outstanding mortgage balance. This computes the balance from your original loan, rate, term and elapsed time rather than asking you to look it up.
Why does the source of equity matter?
Equity from appreciation is market luck and can reverse; equity from principal repayment is money you saved and cannot. A total that mixes the two hides which one you actually have.
Why is my balance still so high?
Mortgage repayment is heavily front-loaded toward interest. On a 25-year loan at 5%, roughly a third of the balance is still outstanding after fifteen years of payments.
What is loan to value?
The outstanding balance as a percentage of current value. It determines what rates you can access on remortgage, and crossing below 80%, 75% or 60% typically unlocks meaningfully better deals.
How much can I borrow against it?
Up to the lender's maximum loan-to-value, less what you already owe. It is a new loan secured on the house at today's rates — not free money, and not at the rate on your original mortgage.
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