Property Portfolio Equity Calculator NZ

This calculator adds up your total equity and loan-to-value ratio (LVR) across your whole property portfolio, the view your bank actually takes when deciding what you can borrow next, rather than looking at each property in isolation. Enter the current value and the loan owing for each property you own, up to four in the tool, plus the lending limit your bank is likely to apply, commonly around 80% loan-to-value. The calculator returns your total portfolio value, total loans, combined equity, overall portfolio LVR as a percentage, and an estimate of usable equity, the amount you could potentially draw on against the whole portfolio for a further purchase, renovation or other lending, before any lender-specific checks. This matters because a lender assesses your total exposure across every mortgage, not each one on its own, so the combined figures give you a realistic starting point for planning your next move. Add or adjust rows to model buying, selling or paying down a property, and watch how your portfolio LVR and usable equity change. Property values and lending limits vary by lender and by property type, so treat usable equity as an indicative estimate only, not a loan offer or financial advice, and confirm your actual borrowing capacity with your bank or mortgage adviser.

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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.