Equity Calculator

Tell us a little about yourself

This helps us work out how much home equity you may be able to access. For couples, the LVR is calculated on the age of the youngest borrower.

Your relationship status *

Your age *

Minimum age is 55.

Your partner's age *

Both borrowers must be at least 55.

Tell us about your home

An estimate of your home's value is fine. We also need your postcode to confirm lender availability.

Estimated value of your home *

Enter values from $500,000 to $50,000,000.

Property postcode *

4-digit Australian postcode. Used to confirm lender availability.

Do you have a home loan on this property?

If you have an existing home loan, it would need to be repaid from your reverse mortgage. This reduces how much additional funding you would receive.

Current home loan *

Outstanding loan balance *

$

This amount will be deducted from your accessible equity.

Here is the wealth available from your home

$0

Based on the information you provided, this is an indicative figure. Your actual amount will depend on your lender, your specific circumstances, and current rates.

What this means for your equity over time

What happens to your equity depends mostly on how much you choose to draw. On default modelling assumptions (8.75% per annum interest compounding monthly, 3.00% per annum property growth), accessing the full amount would see your remaining equity move from about — today to around — at year 15. Draw half instead, and your remaining equity could grow to around — by year 15, because your home’s growth can outpace the interest added. If a loan balance ever reached your home’s value, the No Negative Equity Guarantee protects you: you can never owe more than your home is worth. Your full report shows the year-by-year picture for both paths, including a monthly income option.

Your full Home Wealth Report

A written report with your year-by-year projections, a lump sum versus monthly income comparison, questions to discuss with your family or adviser, and the situations where this option may not be right for you. Yours to keep, to share, and to return to in your own time.

Prefer it by text as well?

Add your mobile before requesting your report and we will also text you a secure link, so you can open it on your phone.

Done — your report is on its way to . It can take a few minutes to arrive.

The link is for you and stays open for 90 days.

Talk it through, whenever you are ready

Questions about your number? A 15-minute call back with one of our specialists. No paperwork, and nothing to decide on the day.

Book a 15-minute call back

Or call us on 07 7500 3060

Ready to look at this properly? A discovery session goes deeper: 45 to 60 minutes, your scenarios modelled with you, and family welcome to join.

Book a discovery session

At your pace · Family welcome · Expert guidance

Want to test different scenarios yourself?

Scenario Explorer

Adjust any figure and watch the projections respond. This is an educational model to explore at your own pace, on your own or with family. It is not a quote.

How would the money be drawn?

One lump sum Monthly income Lump sum plus monthly income

Home value

Available amount

The most that could be drawn in total.

Lump sum drawn now

Monthly amount

For how many years?

Interest rate (% per year)

A modelling assumption, not a quote. Interest compounds monthly.

Property growth (% per year)

	5 years	10 years	15 years

In this scenario the projected loan balance reaches your home’s projected value. In practice the No Negative Equity Guarantee protects you: you can never owe more than your home is worth, and you continue to own and live in your home.

Projections are indicative only and depend on the assumptions shown. Interest compounds monthly. Fees and charges are not included and may apply. Actual results will vary with interest rates, property values and how you draw funds.

The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you get in touch with us before taking out a loan so that we can provide you with advice that is tailored to your situation.

Calculator: estimate the wealth available from your home