Free calculators
Secured lending calculators
Six tools that answer the questions a lender will ask: how much equity, what it costs, how it gets repaid and what you need to settle.
LVR Calculator
Property value, existing debt and the new loan. See your total LVR and the equity left over.
Open the calculator → 02Bridging Cost Estimator
Enter the costs you have been quoted and the term. See the total, peak debt and what is left at exit. No rates assumed.
Open the calculator → 03Equity Release Estimator
How much usable equity sits in one or more properties at the LVR you choose.
Open the calculator → 04Second Mortgage Headroom
Your first mortgage stays put. See the headroom a second mortgage could work within.
Open the calculator → 05Exit Strategy Timeline
Map the sale, refinance or payment that repays the loan, with buffers, and pick a sensible term.
Open the calculator → 06Settlement Checklist
Tick off the documents and steps that get a secured loan from approval to funds.
Open the calculator →Built for the questions that decide a secured loan
Short-term secured lending turns on three numbers: the loan-to-value ratio, the total cost and the date the exit arrives. These calculators let you test all three before you speak to anyone. None of them assume an interest rate. Where cost matters, you enter the figures you have been quoted, so the result reflects a real offer rather than a marketing number.
Once you have a picture, start a 60-second enquiry. There is no credit check when you first enquire, and a specialist will test your numbers against the property and your exit.
Calculator questions
Do these calculators use interest rates?
No. Rates depend on each deal, so the calculators work with property values, debts, costs you have been quoted and timelines. That keeps the results honest.
Are the results an approval?
No. They show the shape of a deal so you can have a better first conversation. A specialist confirms the figures against market evidence, with no valuation needed before approval.
Which calculator should I start with?
Start with the LVR calculator to see whether there is enough equity, then the exit strategy timeline to set a realistic term, then the bridging cost estimator to total the costs.
Is my data saved or sent anywhere?
No. The calculators run entirely in your browser. Nothing you type is stored or sent unless you choose to make an enquiry.
Show us the property and the deadline. We'll show you the structure.
One short enquiry. No credit check when you first enquire, a specialist reading it, and your details kept with one team rather than shopped around.
No credit check to enquire
Not shopped around
A real person on your file