What it means
Equity is the slice of the home that is yours on paper: today's value minus what you still owe on the mortgage.
Owning
Property equity calculator
How much of the home is yours after what you still owe.
Why it matters
Equity is what you unlock when you sell, remortgage or borrow further. It is also your cushion if prices dip.
When to use it
Use it when thinking about a remortgage, a further advance, or how much you might walk away with before selling costs.
How to read the result
Higher equity and lower loan to value usually mean more options. Selling costs still reduce what you take home in cash.
Your figures
Methodology
Rules checked against published sources as of 2025-04-01.
- Equity is property value minus mortgage balance.
- LTV is mortgage balance divided by property value.
Related calculators
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Pair the numbers with area intelligence for a postcode.
FAQs
Is this what I would receive if I sold?
Not quite. Selling costs and any early repayment charge reduce what you take home. Use the net sale proceeds calculator for that.