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
Enter value and loan balance — model price up or down. Your repayment stays the same.
Negative equity & LVR what-if calculator
Enter value and loan balance, then stress price moves. Charts show equity and LVR at a glance — repayment stays fixed unless you change it.
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.
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. LVR primer: what is loan-to-value ratio. Market context: September 2026 property downturn playbook.
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Run the numbers on a related tool — then enquire with your scenario mapped out.
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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
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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.