Home equity

UK Home Equity Calculator

See exactly how much of your home you own today versus how much the bank still has a claim on. Plan a refinance or sale with full visibility of net proceeds and current LTV.

1. Property values

Purchase price (when bought)

Current market value

Deposit you put down (20.0%)

2. Mortgage details

Original term (years)

Interest rate (APR)

Years you've owned

3. Optional adjustments

Monthly overpayment made

Lump-sum overpayment made

Selling costs (agent + legal)

Your home equity today

£149,141

41.4% of current value · Current LTV 58.6%

You vs the bank

41%

yours

Your equity£149,141

Bank's claim£210,859

If you sold today

Sale price£360,000

Pay off mortgage−£210,859

Selling costs (2.5%)−£9,000

Net cash to you£140,141

Outstanding mortgage

£210,859

Principal repaid

£29,141

Appreciation gain

£60,000

Refinance outlook

Current EMI

£1,334.00/mo

Likely lender LTV band

60% LTV — best rates

Lower LTV usually unlocks better rates. If your equity has grown, remortgaging when your fix ends could meaningfully cut your monthly payment.

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Last updated: 30 April 2026

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