This New Zealand calculator works out your total equity and loan-to-value ratio across several properties. Add the value and loan for each property and the tool gives the whole-portfolio picture, the equity you hold, your overall LVR and an estimate of the usable equity you could draw on for a further purchase. It is the view lenders take, in one place, so you can plan your next move with clarity.
Usable equity is the lending limit applied to total value, less total loans; it is an estimate, as lenders apply their own rules and may treat some properties differently. Estimate only, not financial advice.
The calculator adds the value of every property and subtracts the total loans to give your portfolio equity. Your loan-to-value ratio is total loans divided by total value. Usable equity is your lending limit, often around 80%, applied to total value, less your current loans, which estimates how much you could borrow against the portfolio for a further purchase, before a lender's own checks.
Two properties worth $850,000 and $650,000, with loans of $500,000 and $420,000, give $1,500,000 of value, $920,000 of loans and $580,000 of equity, an LVR of about 61%. At an 80% limit, usable equity is about $280,000, the rough headroom for another purchase.
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