Equity Unlock Calculator · Free
See what your home actually unlocks.
Three inputs. Thirty seconds. Your usable equity, your 80% no-LMI scenario, and your 88% LMI scenario. Yours by email, instant access.
Instant accessNo spamBuilt by a real broker
01
What's inside.
Three numbers · one screen01
Your usable equity .The number lenders actually use. Not the headline figure on your property report.
02
Your 80% no-LMI borrowing capacity.What you can borrow without paying lender's mortgage insurance.
03
Your 88% LMI borrowing capacity.What you can borrow if you accept the LMI premium, often a better play than waiting.
The broker behind the calculator
I built this because the bank usually lends 20-40% less than people think.
My name is Komay Semoa. I run Acquisition Finance, a mortgage brokerage lodging investment property deals every week across Australia.
I built this calculator because too many homeowners walk into a bank thinking they can borrow $500k off their PPOR, only to find the real number is $310k. They lose three weekends house hunting in the wrong price bracket.
This tool gives you the lender-grade number in 30 seconds, before you waste a weekend.
Panel60+ lenders
LodgingAustralia-wide
SpecialtyInvestment property
LicenceLMG · ACL 517192
Rather skip the calculator
Talk to Komay direct.
Fifteen minutes. Free. Your numbers, your structure, your next step.