Home Equity Calculator
Equity = value minus what you owe. Usable equity respects lender CLTV caps.
Result
Home equity130,000
Current LTV59.4%
Appreciation70,000
Borrowable @80% CLTV66,000
Borrowable @90% CLTV98,000
Home Equity Calculator — FAQs
How do I build equity faster?
Overpay the mortgage, or wait for appreciation. A £200/mo overpayment on a £190k, 4% mortgage builds ~£2,400/yr extra equity.
Equity vs usable equity?
Total equity is value minus balance. Usable equity is what a lender will advance — they keep your CLTV at 80–90%, so you can't borrow all of it.
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