Home Equity Loan Calculator
Work out the equity available to borrow against, and what the repayment on it would be.
Financial-Adjacent
Home finance, tax & insurance
Buying, borrowing against and insuring a home: payments, affordability, transfer taxes and cover.
- 11Calculators
- 11Work in imperial
- 11Work in metric
What this covers
Mortgage payments and affordability, home equity and home improvement loans, loan-to-value and deposits, the break-even on refinancing, renting against buying, property tax increases, UK stamp duty and Ontario land transfer tax, and the rebuild figure a homeowner's insurance should cover.
What decides which one you need
Which country's rules apply, and whether the figure is a payment, a total or a threshold. A transfer tax is set by the jurisdiction and its bands change with budgets; a loan payment turns on the rate, the term and how often interest compounds; an insurance figure is the cost to rebuild, not the market value. These are arithmetic on the terms you enter, never financial advice.
What this does not cover
Advice on which loan, rate or policy to choose, credit decisions, and the building work the money pays for, which has families of its own.
Every calculator in this family
11 calculators
Home Improvement Loan Payment Calculator
Estimate the monthly payment on a fixed-rate home improvement loan from its amount, rate, and term.
Homeowners Insurance Replacement Cost Calculator
Get a rough estimate of your home's rebuild cost, a starting point for dwelling coverage amounts.
Imperial / Metric
Loan-to-Value & Deposit Calculator
Work out your LVR, the deposit needed to reach a target band, and whether mortgage insurance is triggered.
Mortgage Affordability Calculator
Work out the loan a given income and deposit supports, using the debt-to-income limits lenders actually apply.
Mortgage Payment Calculator
Work out the monthly payment on a repayment mortgage, and see how much of the term goes on interest.
Ontario Land Transfer Tax Calculator
Provincial land transfer tax on an Ontario property purchase, with the first-time buyer refund.
Property Tax Increase Calculator
Estimate the annual property tax increase from a home improvement's added resale value.
Refinance Break-Even Calculator
Find how many months it takes for a remortgage to repay its own fees — the only number that decides whether it is worth doing.
Rent vs Buy Calculator
Compare the true monthly cost of renting against owning, including the ownership costs people leave out.
UK Stamp Duty (SDLT) Calculator
Stamp Duty Land Tax on a residential purchase in England or Northern Ireland, with first-time buyer relief and the additional-property surcharge.