CitrineXFINANCE STRATEGY
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THE EQUITY PICTURE

See your equity.
Understand your next step.

A starting point for a conversation. Explore the potential equity in your property, with the assumptions in plain sight.

01 / YOUR PROPERTY

Start with
your numbers.

Use an estimate. A lender’s valuation may differ.

Include loans secured against this property.

LVR is the loan amount as a percentage of property value. This selection does not establish eligibility.

Your figures stay in this browser. No contact details required.

02 / THE INDICATIVE PICTURE

Potential equity release

$360,000

Before costs, subject to borrowing capacity, valuation and lender approval.

An estimate to explore with your broker.

Total property equity
$540,000
Current loan-to-value ratio
40.0%
Loan limit at selected LVR
$720,000
Existing mortgage
$360,000

$900,000 × 80% − $360,000 = $360,000

Equity is not cash in your account.

Releasing it generally means additional borrowing and repayments. This calculator does not assess income, expenses, credit history or loan eligibility.

Review my options with Tanya
OPTIONAL / DEPOSIT PLANNINGHow could equity contribute to a deposit?

This is a deposit-only illustration, not a property budget or borrowing-power assessment. It assumes the estimated equity can be released and used towards the deposit and buying costs.

Illustrative only; not a stamp-duty calculation.

Deposit-based purchase-price illustration$1,428,000

Borrowing capacity has not been assessed. LMI is excluded and may apply when borrowing above 80% of the purchase price. Actual duty, concessions, fees and loan availability vary.

Illustration = (estimated equity release − other costs) ÷ (deposit percentage + purchase-cost percentage).

READ THE NUMBERS IN CONTEXT

What this estimate
doesn’t tell you.

What you can borrow.

Income, expenses, other debts and lender policies need a separate assessment. A positive equity figure does not mean additional lending is available.

Your lender’s valuation.

Your property estimate can differ from a lender’s valuation. The selected LVR is an assumption, not a lender offer.

The complete cost.

Equity-release costs, LMI, repayments and interest are not included. The optional purchase-cost allowance is a rough assumption, not a state-specific duty assessment.

General information and illustrative estimates only. This tool does not provide a credit recommendation, pre-approval, tax advice or investment advice. Discuss your circumstances with a qualified professional before making decisions.