Our useable equity calculator helps you uncover how much equity you can leverage from your existing property, giving you a clearer picture of your borrowing power and opening the door to new investment opportunities.
Use our tools to become a property investment expert.
Learn More About Property Investment
Thrive’s property investment calculators give investors the knowledge they need to make informed decisions. Whether you're assessing rental yield, equity, or long-term returns, these tools help you make smarter decisions, backed by local NZ data and Thrive’s proven logic. They're designed to cut through guesswork and give you confidence in every scenario.
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Now that you know how much equity you could access, the next step is understanding what that equity can do. Explore our live comparison of today’s investment interest rates - updated regularly to help you plan your next move.
Useable equity is the portion of your home equity that a lender will allow you to borrow against. You can use this amount as a deposit (https://www.thrivepartners.co.nz/post/deposit-requirements-to-invest-in-property)to buy additional properties - a common strategy among property investors.
Take 80% of your property’s current value and subtract your existing mortgage balance. The result is your useable equity. To calculate your overall affordability, use our borrowing power calculator.(https://www.thrivepartners.co.nz/how-much-can-you-invest)
Yes. Many investors (https://www.thrivepartners.co.nz/post/your-guide-to-new-zealand-property-investment)use useable equity as a deposit or security to purchase another property. This is a good way to build wealth in property without having to save a cash deposit each time you invest.
No. The calculator provides a guideline only. The actual amount of useable equity is determined by a registered valuation and lender criteria. Talk to the team at Thrive (https://www.thrivepartners.co.nz/talk-to-our-team)to learn more about your useable equity.
Here are some tools to help your property investment journey:
- Gross Yield
(https://www.thrivepartners.co.nz/rental-yield-calculator)- How Much Can You Invest (https://www.thrivepartners.co.nz/how-much-can-you-invest)
- Investment Returns
(https://www.thrivepartners.co.nz/property-investment-calculator-thrive)- Loan-to-Value Ratio
(https://www.thrivepartners.co.nz/loan-to-value-ratio-calculator)- Useable Equity (https://www.thrivepartners.co.nz/useable-equity-calculator-thrive)
- Mortgage Repayments (https://www.thrivepartners.co.nz/mortgage-repayment-calculator)
At Thrive we take a strategic approach to evidence-based property investment. With a view to helping you build wealth using our expert knowledge and market research to structure your portfolio in a way that gives you a superior outcome than merely buying and holding a few houses.
