Usable equity

How much equity can I use?

Equity on paper isn't the same as equity you can borrow against. See your usable equity and a rough next-purchase budget.

Current property value (A$)

Loan still owing (A$)

Max lend (% of value)

Usable equity

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accessible at your max LVR

Total equity

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Current LVR

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Indicative next budget

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Rule of thumb

usable × 4

The “rule of four” assumes roughly a 20% deposit + 5% costs on the next purchase. Don't deploy every cent — keep a buffer for the unexpected.

Plan my next move

Indicative estimate only — not financial advice, a quote or a credit offer. Figures exclude some fees and assume a standard principal-and-interest loan. Your real position depends on the lender and your circumstances. Speak with VV Advisory (credit services provided under Connective Credit Services Pty Ltd, Australian Credit Licence 389328) for a tailored assessment.

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