Current position
Evidence for the property value, outstanding mortgage and current product terms.
EQUITY AND REFINANCE PLANNER
Estimate whether existing equity could support your next property deposit.
Model current equity, a target loan-to-value, fees and a new mortgage payment, then compare the estimated release with the deposit needed for the next purchase.
Estimate available equity7 days free · then £9.99/month · up to 14 listings
Equity is not the same as available borrowing
The difference between property value and mortgage balance shows current equity, but a lender’s valuation, affordability assessment, product limits, fees and early repayment charges determine whether any amount can actually be released.
Figures to confirm before considering refinance
Proposed finance
Target loan-to-value, indicative rate, term, fees and estimated new payment.
Exit costs
Early repayment charge, legal work, valuation and product fees where relevant.
Next purchase
Target price, deposit requirement, buying costs and cash already available.
See the estimate and the remaining gap together
The Equity & Refinance planner estimates current equity, possible gross release, fees, a new payment and additional cash needed. Treat it as a planning scenario for discussion with an authorised mortgage adviser.
Property Action OS provides planning and decision-support calculations. Figures are illustrative and are not mortgage, financial, tax, valuation, surveying or legal advice. Verify material assumptions with qualified professionals.
Continue your property research
Property investment planner · Offer and purchase-cost planner
Does equity guarantee that I can borrow more?
No. Lender valuation, affordability, credit, property and product criteria all affect borrowing.
Does the estimate include early repayment charges?
Enter anticipated fees and early repayment charges so the available-release estimate does not ignore them.