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YOUR NEXT PROPERTY MOVE

Property refinance
calculator.

See what equity might become usable cash, what the extra borrowing could cost and when the numbers could reach your chosen release threshold.

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Potential net equity release...
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POTENTIAL NET EQUITY RELEASE

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How the release could change.

Your refinance projection

Equity release means more borrowing. The calculation caps the loan at the chosen LTV and, when enabled, the indicative rent-coverage limit. It subtracts the current mortgage and entered fees once. Timing assumes constant mortgage debt, monthly compounded property and rent growth, unchanged lending rules and no refinance before both required value and rent are reached. Timing is limited to 100 years; the chart shows the first 20.

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A USEFUL NEXT STEP

What could the released capital do next?

Use the Portfolio Growth Calculator to model new purchases. If you carry the release across, it becomes scenario capital for a new portfolio. The existing property, its extra debt and its cashflow remain outside that new-portfolio model.

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UNDERSTAND THE RESULT

The details,
explained.

How much equity can I release?

The starting limit is property value multiplied by the chosen refinance LTV, less the existing loan and refinance costs. If rental coverage is enabled, that may reduce the loan further. Lenders still assess your circumstances, property, rent and product criteria.

Why can my equity be larger than the cash I can release?

Equity is property value minus debt. A lender usually requires some equity to remain in the property. You also need to clear existing debt and cover fees, so only part of the equity may become borrowed cash.

What if the property needs to grow first?

The tool calculates the value required to cover the existing debt, fees and selected minimum release at the chosen LTV. If rental coverage also needs to improve, both conditions must be met. Falling prices or rents can prevent the threshold being reached.

Does this model a repayment mortgage?

This quick refinance tool holds the current loan balance constant and compares interest-only payments. A repayment loan may reduce debt before refinancing. Use the Mortgage & Rate Stress Calculator or a current statement to understand your actual payments and remaining balance.

Is the release profit?

No. It is borrowed money secured on property. It increases debt and can reduce rental cashflow. The calculator shows the payment change alongside the possible cash release.

TURN NUMBERS INTO KNOWLEDGE

Know your first
or next move.

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Educational illustration before tax. No valuation, mortgage offer or personalised financial advice. See our disclaimer.