Free Calculator · 30 Seconds

How much can you borrow off your home?

Plug in three numbers. Walk away knowing your usable equity, your no-LMI borrowing limit, and the deposit you can put on your next investment property. Free, instant, no spam.

Instant accessBuilt by an active brokerReal lender math
Built by Komay SemoaKS
Built by Komay SemoaDirector · Acquisition Finance
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01

What you'll know in 30 seconds.

Three numbers · one screen · sent to your inbox
01
Your usable equity , in dollars.The exact figure a lender will let you draw against, not the headline number on your property report. (It's usually 20-40% lower than people expect.)
02
Your no-LMI borrowing limit.The maximum you can borrow without paying lender's mortgage insurance. Stop guessing what the bank will say.
03
Your 88% LMI scenario , side by side.How much more you can borrow if LMI makes sense. Often the smarter move than waiting two years to save the extra 20%.
Built by Komay Semoa
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
Want a real number, not a calculator estimate

Get your actual borrowing capacity, against 60+ lenders, in 15 minutes.

The calculator gives you a self-serve estimate. A 15-minute call with Komay gives you the real number, the right loan structure, and your next step in writing. Free, no obligation to lodge.

Send me the calculatorBook a 15-min call
BrokerKomay Semoa
BrokerageAcquisition Finance
AggregatorLMG · ACL 517192
Mobile0410 543 583

Acquisition Finance is a trading name of Komay Pty Ltd (ACN 669 948 663), authorised under LMG Broker Services (Australian Credit Licence 517192). The calculator and any output are general information only and do not consider your full financial situation. Lender approval and applicable rates are subject to assessment.