Refinance hub
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Model break-even, term-for-term savings, and the 30-year reset trap with your balance and rates — free PDF plan.
Equity & LVR calculator
Negative equity what-if calculator
Unsure of value? Request a free property report by address — broker-prepared profile to refine this estimate (not a bank valuation).
Indicative ~$5,318/mo on 25 yrs left
Quick scenarios
Selected scenario
-7% price move
High LVR (90%+)
- Property value
- $837,000
- Loan balance
- $810,000
- Equity
- +$27,000
- LVR
- 96.8%
Monthly repayment stays $5,200 at 6.2% — price moves alone do not change your contractual instalment.
Value vs loan
Equity gap: +$27,000
Property value$837k
Loan balance$810k
LVR bands
96.8%
0%80%100%120%
Equity turns negative if value falls about 10% from your entered property value (loan balance unchanged).
LVR above 80% can limit refinance choice and may revive LMI on a switch. Ask for written retention before a new lender valuation.
Equity across price scenarios
Tap a bar to select that scenario — bars above zero are positive equity.
| Scenario | Value | Equity | LVR | Status |
|---|---|---|---|---|
| -15% | $765,000 | −$45,000 | 105.9% | Negative equity |
| -10% | $810,000 | $0 | 100.0% | Break-even / zero equity |
| -7% | $837,000 | +$27,000 | 96.8% | High LVR (90%+) |
| -5% | $855,000 | +$45,000 | 94.7% | High LVR (90%+) |
| 0% | $900,000 | +$90,000 | 90.0% | High LVR (90%+) |
| +5% | $945,000 | +$135,000 | 85.7% | Thin equity (80–90% LVR) |
| +10% | $990,000 | +$180,000 | 81.8% | Thin equity (80–90% LVR) |
Refine your value
Domain/REA estimates are directional. A free Azure property report uses your address for a clearer research pack before you trust an LVR scenario.
Get free property reportTalk LVR options
Thin or rising LVR? Compare written retention with a term-for-term refinance before you lodge.
What is LVR? · Negative equity guide →
General information only. These calculators provide estimates based on the numbers you enter. They do not constitute credit advice, take your full situation into account, or replace a lender's assessment. Fees, eligibility, and actual offers vary. Speak with a broker for guidance tailored to you.
What this calculator shows
Enter your home's value and loan balance, then model prices rising or falling. Equity and LVR move with the price; your repayment stays the same because the loan balance does not change.
Free · no sign-up · nothing leaves your browser · ACR 538895, auth. under ACL 390261 · General information, not credit advice.
What a price fall does to equity at 5%, 10% and 20% deposits
Loan balance held constant on a $800,000 property — the same model as the calculator above. Your repayment does not change when prices move. What changes is the equity you would have if you needed to sell or refinance.
| Starting position | -15%equity / LVR | -10%equity / LVR | -5%equity / LVR | Todayequity / LVR | +5%equity / LVR |
|---|---|---|---|---|---|
| 5% deposit$760,000 loan · 95.0% LVR | -$80,000111.8% LVR | -$40,000105.6% LVR | $0100.0% LVR | $40,00095.0% LVR | $80,00090.5% LVR |
| 10% deposit$720,000 loan · 90.0% LVR | -$40,000105.9% LVR | $0100.0% LVR | $40,00094.7% LVR | $80,00090.0% LVR | $120,00085.7% LVR |
| 20% deposit$640,000 loan · 80.0% LVR | $40,00094.1% LVR | $80,00088.9% LVR | $120,00084.2% LVR | $160,00080.0% LVR | $200,00076.2% LVR |
A 5% deposit buyer on $800,000 starts at 95.0% LVR and tips into negative equity after a 5.0% fall — which is why a 5% national decline is the whole buffer, not a rounding error. At −5% that loan is already at 100.0% LVR with $0 of equity. The 20% deposit row still has six figures of equity at the same move. The scheme that removed LMI does not remove this.
Illustrative only — not a valuation or a refinance approval. Lenders use their own valuation, usually the lower of contract price and valuation, and a sale also incurs selling costs the table does not deduct.
How to use this calculator
- Enter your best estimate of current property value (comps or a bank valuation).
- Enter your outstanding loan balance from internet banking.
- Optionally add rate and monthly repayment for cashflow context — they stay fixed.
- Tap presets (+5%, −5%, −7%, −10%, −15%) or drag the custom slider.
- Read equity, LVR, and status — then compare retention or refinance if LVR climbs above 80%.
Full guide for homeowners and 5% deposit buyers: negative equity explained. Equity above the line: usable equity calculator. LVR primer: what is loan-to-value ratio. Market context: September 2026 property downturn playbook.
What is negative equity on a home loan?
Negative equity means your outstanding loan balance is higher than the estimated market value of the property. Equity equals value minus loan balance. It is a paper position — not automatic default — and usually matters most if you must sell or refinance externally.
Does a fall in house prices change my monthly repayment?
No. Your contractual repayment is set by your loan balance, interest rate, and remaining term — not by the Cotality or bank valuation index. This calculator keeps repayment fixed while modelling price scenarios.
What does LVR mean and why does 80% matter?
Loan-to-value ratio (LVR) is loan balance divided by property value. Crossing above about 80% can limit refinance choice and may involve lenders mortgage insurance on a switch. Exact policy varies by lender.
Will the bank call in my loan if I have negative equity?
Generally no for a standard owner-occupier loan if you keep meeting repayments and covenants. Problems cluster around forced sale, arrears, or an external refinance that needs a fresh valuation above your balance.
Is this calculator a formal valuation?
No. Results are educational estimates from the numbers you enter. Lenders use their own valuers and policies. General information only — not credit advice.
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Want these home loan numbers checked against real lenders?
Estimates help orientation — product rules, assessment rates, fees, and offsets change what a home loan actually looks like at submission. As your mortgage broker, Bishnu Adhikari can stress-test what you modelled. Send a short note below, use the full contact form, or call 0400 77 77 55. You reach Bishnu Adhikari, not a queue.
Prefer WhatsApp? Message Azure Home Loans · Full contact form · 0400 77 77 55
Go deeper
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Construction files fail when contracts, valuations, and draw schedules do not match lender policy — not when the builder is slow alone.
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Cost-of-living pressure has more Australians looking for practical ways to pay down their mortgage sooner — and most online calculators only model one strategy at a time.
Prefer the full index? Resources home
Want a second read on your LVR and refinance options?
Call 0400 77 77 55, WhatsApp, or send an enquiry — Bishnu Adhikari replies directly.
Prefer the phone? 0400 77 77 55 — direct line to Bishnu Adhikari.