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| LVR Tier | Max Loan Amount | Available to Borrow | Deposit Available (Investment) |
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Important Disclaimer & Assumptions
Assumptions: Usable equity assumes standard LVR limits. Actual available equity depends on current property valuation (which may differ from your estimate), lender policies, and your financial circumstances. Property values can decrease.
General Disclaimer: This calculator is provided by Mortgage & Finance Advisory (Credit Representative 575841 of Connective Credit Services Pty Ltd, Australian Credit Licence 389328) for illustrative and educational purposes only. Results are estimates based on the information you provide and the assumptions listed above. They do not constitute financial advice, a loan offer, or a guarantee of any outcome.
Actual loan terms, interest rates, fees, government charges, and eligibility criteria will vary between lenders and depend on your individual circumstances. Interest rates used are for comparison purposes only and may not reflect current market rates.
We recommend seeking independent financial, legal, and tax advice before making any financial decisions. For personalised advice tailored to your situation, please book a free strategy call with our team.
© 2026 Mortgage & Finance Advisory. All rights reserved. ABN: 90 732 203 952 | Credit Representative 575841 of Connective Credit Services Pty Ltd, Australian Credit Licence 389328
Usable equity = (Property value × 80%) - Current loan balance. For example, if your property is worth $800,000 and you owe $400,000, your usable equity is ($800,000 × 0.80) - $400,000 = $240,000. The 80% limit avoids LMI on the additional borrowing.
Home equity can be used for investment property deposits, renovations, debt consolidation, share investments, or other purposes. Using equity for investment purposes may offer tax benefits as the interest on investment borrowings is generally tax-deductible.
You can access equity through refinancing to a higher loan amount, setting up a separate investment loan, or establishing a line of credit. Your lender will require a property valuation and assess your ability to service the additional debt.
