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For Australian mortgage brokers

Usable Equity Calculator built for Australian mortgage brokers

Help homeowners see how much equity they can access — and turn that into qualified refinance and investment leads for your pipeline. Embed on your site in 60 seconds.

Try It FreeSee How It Works
  • 80% LVR Standard equity rule
  • AU rules LMI threshold built in
  • 60 sec Setup on your site
  • No credit card required
  • Standard 80% LVR rule
  • Privacy-first lead capture
  • Built for Australian mortgage brokers
  • 60-second setup
Live demo

Try the calculator

This is the exact calculator your homeowners use. Enter a property value and loan balance to see usable equity instantly.

yourbusiness.com.au/usable-equity-calculator
Step 1 of 4 — Property & Loan

Property & Loan

$AUD
$AUD
Usable Equity Calculator · powered by LeadkitPowered by Leadkit

Live calculator — no sign-up needed.

Instant Notifications

Know the Moment a Lead Arrives

The second someone completes your calculator, you get a celebration notification with their full details — name, contact, project info, and estimated value.

  • Real-time alerts — no refreshing needed
  • Full customer details at a glance
  • One click to view the complete lead
  • Score and value calculated automatically
🎉

Your first lead just arrived!

Someone just requested an estimate on your website — their details have been captured and a new lead is ready in your dashboard.

Sarah Mitchell

Just now

Hot

Email sarah@example.com

Calculator Usable Equity Calculator

Status New

Est. value $4,200

View Lead Details

I'll check it later

Automated Emails

Professional Emails Sent Automatically

Every calculator submission triggers branded emails — an instant estimate for your customer and a detailed lead notification for you.

  • Customer Estimate — Instant branded estimate sent to your customer
  • Lead Alert — New lead notification sent to your inbox
  • Updated Estimate — Revised estimate sent when you update pricing
  • Expiry Notice — Reminder sent when an estimate is about to expire
Start Sending Emails
FromYour Business Name <noreply@yourwebsite.com.au>
ToSarah Mitchell <sarah@example.com>
SubjYour Usable Equity Calculator estimate from Your Business Name

Instant branded estimate sent to your customer — fully customisable in your dashboard

Lead Management

Manage Every Lead in One Place

Track, filter, and act on every enquiry from a single dashboard. See who's hot, who needs follow-up, and how much pipeline you're building.

LLeadkit›Leads
Live
Leads This Month

47

Hot Leads

12

Pipeline Value

$64,200

Search leads...
All StatusesAll Scores
TableKanban
CustomerScoreValue
SM
Sarah Mitchell
LK-000042 · sarah@example.com
🔥Hot$4,200
JR
James Robertson
LK-000041 · james.r@email.com
🔥Hot$12,800
ET
Emily Thompson
LK-000040 · emily.t@email.com
🌡️Warm$6,500
MC
Michael Chen
LK-000039 · m.chen@email.com
🌡️Warm$2,100
LN
Lisa Nguyen
LK-000038 · lisa.n@email.com
❄️Cold$3,800
Filter, sort, assign, and track every lead from submission to close
No website needed

No website? No problem.

Leadkit gives every calculator its own professional landing page. Share the link with customers — they get an instant estimate, you get the lead.

  • Instant landing page

    Every calculator gets a branded, mobile-ready page — live in seconds.

  • Your own URL

    Share leadkit.com.au/q/your-business or connect a custom domain.

  • Share anywhere

    Drop it in a text, email, Google ad, or social bio — it just works.

Get your page
Hosted by Leadkit
leadkit.com.au/q/smith-painting
SP
Smith Painting Co.

Get Your Instant Painting Estimate

Answer a few questions about your project and get a price range in under 60 seconds.

Step 2 of 5

How many rooms need painting?

Instant result No sign-up Free
Smith Painting Co. · SydneyPowered by Leadkit

Your brand, your page. Ready to share in 60 seconds.

Everything included

Built to capture equity leads

  • Equity estimate with LVR scenarios

    Homeowners see usable equity at 80% LVR and an optional 90% LVR with LMI scenario — plus estimated purchasing power.

  • Branded PDF breakdown

    Every equity estimate goes out as a PDF with your logo, contact details and credit licence number.

  • SEO landing page

    Your own ranking page for usable equity and home equity searches in your area.

  • Qualified lead capture

    Name, phone, email, property value, loan balance and purpose land in your inbox the moment a homeowner submits.

  • Your rates, your brand

    Set your LVR thresholds and deposit ratios — estimates use your numbers, your ABN, your branding.

  • Embed anywhere

    Drop it on WordPress, Webflow, Squarespace, Wix or Shopify in 60 seconds.

How it works

From equity curiosity to qualified lead

  1. ~2 min

    1. Pick your calculators

    Choose from 200+ calculators across 112 trades — bathroom reno, kitchen, decking, painting, landscaping, fencing, more.

    Bathroom renovation
    Kitchen renovation
    Decking
  2. ~5 min

    2. Set your rates & brand

    Upload your logo, set your day rate, tiling rate, fixture markups. Or use our smart defaults and tweak later.

    Tiling rate$480/m²
    Day rate$1,200/day
    Fixture markup35%
  3. ~1 min

    3. Embed or share your link

    Drop one line of code on your website, or just share your free Leadkit page link. Leads start flowing in.

    <script src="www.leadkit.com.au
    /api/embed/a1b2c3d4.js"    >▌
Dan K., bathroom renovator in Brisbane QLD, using Leadkit quote calculator
Dan K. · Brisbane
Not testimonials · Just customers talking

Tradies who stopped chasing leads and started winning them. In their own words.

Set it up Tuesday. By Friday I had three quote requests in my inbox. One turned into a $14,200 bathroom job. Pays for itself ten times over.
4 → 31
Quote requests per month
$74,400
In booked jobs · 90 days
5×
Pipeline vs. before
DK
Dan K.
Bathroom Renovator · Brisbane · On Leadkit since Jan 2026
Why it pays

Capture homeowners at the research stage

Most homeowners Google 'how much equity can I use' before they ever call a broker. Let them self-qualify so you only spend time on the leads worth chasing.

300
35%
$25k
With Leadkit, you'd earn
$578k/month extra

Based on a 8.3× uplift over a plain contact form, applied to your inputs.

Today's leads/mo
9
With Leadkit
75
New jobs closed/mo
+23.1
Annualised
$6.9M
Capture this for $29/mo
Simple pricing

Start free. Pay when it pays you back.

Every plan starts free. Upgrade when you outgrow it.

💡One $15k bathroom job pays for 40 years of Pro.

Free

Prove it works before you pay a cent. Capture your first lead, then decide.

Free

No card. Forever free.

Start free

What you get

  • 1 calculator on your website
  • 50 leads/month
  • Lead capture on every calculator
  • Customer confirmation emails
  • PDF estimates to your inbox
  • Your own estimate landing page
  • Basic lead dashboard
  • "Powered by Leadkit" footer
  • Community support
Pick this one

Pro

For tradies running their own show. Unlimited calculators, your branding, full CRM.

$29/mo

Cancel anytime · no calls or forms

Upgrade to Pro

Everything in Free, plus

  • Unlimited leads — open every one, no cap
  • Unlocks every locked Free lead, retroactively
  • Unlimited calculators — every trade
  • No Leadkit branding — fully yours
  • Send estimates from your own email
  • Edit estimates & resend in one click
  • Hot / warm / cold lead scoring
  • Custom lead statuses
  • Estimate expiry & auto follow-up
  • Team roles: Owner, Manager, Staff
  • Analytics — see what's converting

Agency

For agencies and multi-location businesses. One bill, every company white-labelled.

$150/mo

One flat bill · add as many companies as you like

Get started

Everything in Pro, plus

  • Everything in Pro for every company
  • Unlimited companies — one flat bill
  • Each company fully white-labelled
  • Separate branding & email per company
  • Master dashboard across every company
  • One-click switching between companies
  • Priority support

All prices in AUD · GST inclusive · Cancel any time, no calls or forms

Common questions

What others asks before signing up?

How much equity can I use from my home?
Usable equity is typically your property value multiplied by 0.80 (the standard LVR threshold) minus your outstanding loan balance. For example, on an $800,000 property with a $400,000 balance, usable equity is roughly $240,000. This calculator gives you an instant estimate — a mortgage broker confirms your figures after a formal valuation.
How do I use equity to buy an investment property?
Your usable equity can serve as a deposit on a second property. If you have $240,000 in usable equity and use it as a 20% deposit, you could purchase an investment property worth up to $1,200,000 — subject to serviceability. A broker will confirm your borrowing capacity based on your income and existing commitments.
What is the difference between usable equity and total equity?
Total equity is your property value minus your loan balance. Usable equity is the portion lenders will typically let you access — calculated at 80% of your property value minus the loan balance. The difference protects the lender's position and avoids Lenders Mortgage Insurance.
How accurate is this equity calculator?
The formula uses the standard 80% LVR rule applied by most Australian lenders. The main variable is your property value — automated estimates can differ ±10% from a formal bank valuation. A mortgage broker confirms your usable equity with a current valuation and your financial details.
Can I add this calculator to my own website?
Yes — embed it on WordPress, Webflow, Squarespace, Wix or Shopify with one snippet, or use the free hosted page if you don't have a site.
What do I get when a homeowner uses my calculator?
A full lead: their name, phone, email, property value, loan balance, purpose and the equity estimate they saw — plus a branded PDF copy in your inbox, ready to follow up.
I don't have a website — can I still use it?
Yes. Every calculator gets a free hosted page with your branding and a shareable link for your Google profile, socials or texts.
Is Leadkit really free?
Yes. Free lets you add up to 3 calculators to your website and receive 10 leads per month — no credit card. Every lead beyond the cap is still captured and held for you; upgrading to Pro ($29/mo) opens them all retroactively and removes the cap.
Do I need to know how to code?
No. You get an embed code (one line of HTML). Paste it into your website builder — Wix, Squarespace, WordPress, or any custom site. That's it.
How accurate are the price estimates?
You configure the calculator formulas to match your actual pricing. Leadkit provides the framework; you set the numbers. Estimates can be as detailed or as rough as you like.
What happens with lead data?
All lead data is stored securely in your workspace. You own it. We never sell or share your leads with anyone.
Can I use Leadkit as an agency for multiple clients?
Yes — our Agency plan lets you create and manage separate workspaces for each of your clients, all from one dashboard.
What's the difference between the plans?
Free: up to 3 calculators, 10 leads/month (over-cap leads held + locked until upgrade). Pro: unlimited leads, unlimited calculators, white-label, branded email sending, analytics, email templates. Agency: everything in Pro plus multi-workspace management.
Get Started Free

Start capturingequity leads

Let homeowners see their usable equity while you capture qualified enquiries. Set up your calculator in 60 seconds.

Try It FreeSee How It Works
  • No credit card required
  • Free plan available
  • 60-second setup
  • Cancel any time
For homeowners

Understanding usable equity costs in Australia

The section below is for homeowners researching usable equity costs. We break down how prices are calculated, show current Australian averages, and answer the questions we hear most. Every number reflects real 2026 rates from Australian tradies — not marketing fluff.

Based on AU market ratesGST includedUpdated for 2026
For homeowners

Unlock your equity

See how much equity you can access from your home — whether you want to invest, renovate or upgrade. The estimate is a guide; a mortgage broker confirms your figures with a current valuation.

  • See usable equity at 80% LVR instantly
  • Understand total equity vs usable equity
  • Estimate purchasing power if using equity as a deposit
  • Optional 90% LVR scenario with Lenders Mortgage Insurance
For mortgage brokers

Capture upgraders and investors at the research stage

Homeowners searching 'how much equity can I use' are pre-qualified leads. Give them the answer and capture their details before a competitor does.

  • Your LVR thresholds, your branding, your ABN on every PDF
  • Lead score helps prioritise callbacks
  • Free for up to 5 calculators — upgrade for unlimited
  • Works on WordPress, Webflow, Squarespace, Wix and Shopify
How it works

How this equity calculator is calculated

This calculator produces an estimate of usable equity based on the standard 80% loan-to-value ratio rule used by most Australian lenders. It is not a binding valuation.

GST handling: Equity calculations are not subject to GST. The estimate is based on standard lending rules — your broker confirms your actual figures.

  1. Calculate total equity

    Total equity equals your current property value minus your outstanding loan balance.

    total_equity = property_value − loan_balance

  2. Determine usable equity at 80% LVR

    Lenders typically allow borrowing up to 80% of a property's value without requiring Lenders Mortgage Insurance. Usable equity is 80% of the property value minus the loan balance, floored at zero.

    usable_equity = max(0, property_value × 0.80 − loan_balance)

  3. Show 90% LVR scenario with LMI

    Some lenders allow up to 90% LVR when LMI is paid. This gives a higher usable equity figure but comes with an LMI premium.

    usable_equity_90 = max(0, property_value × 0.90 − loan_balance)

  4. Estimate purchasing power

    If using usable equity as a 20% deposit on an investment property, the estimated purchasing power is the usable equity divided by the deposit ratio.

    purchasing_power = usable_equity_80 ÷ 0.20
Sources:Moneysmart — Using equity in your homeMoneysmart — Lenders Mortgage Insurance
Australian scenarios

Typical usable equity across Australia 2026

These scenarios illustrate usable equity at 80% LVR for common property value and loan balance combinations. Actual figures depend on a formal bank valuation.

Average costs by job type across Australia, 2026
Job typeLowAverageHigh
First home (modest)$600k$450k$30k
Established owner$800k$400k$240k
High-value property$1.2M$500k$460k
Near-negative equity$650k$550k$0
Investor upgrade$950k$350k$410k

Source: Standard 80% LVR calculation — moneysmart.gov.au

Property values are higher in Sydney and Melbourne, which typically means more usable equity for established owners. Regional areas may have lower values but also lower loan balances — the ratio matters more than the raw number.