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Calculate how much equity you have in your property.
The home equity calculator provides a reliable estimate based on the information you enter.
However, the accuracy depends on the data provided, such as your property’s current market value and the outstanding balance on your mortgage and secured loans.
For a more detailed understanding of your equity, speaking with one of our mortgage advisors is recommended.
The equity in your home is calculated by subtracting the total outstanding debts secured against your property (e.g. your mortgage and any secured loans) from its current market value.
For example, if your home is worth £300,000 and you owe £200,000, your equity would be £100,000.
Use the house equity calculator above to get a rough estimate of how much equity is in your home.
The home equity calculator calculator allows you to work out the equity in your home.
The equity in your house is calculated by subtracting the outstanding mortgage balance from the current market value of the property.
This calculation is especially useful for those considering remortgaging, releasing equity for renovations or planning to sell their property to fund future purchases.
Use the house equity calculator above to find a get a rough estimate, or contact our mortgage advisors for a more accurate figure.
Yes, it can be possible to release equity from your property, often through remortgaging or securing an additional loan.
This process allows you to access the funds tied up in your home, which can be used for purposes such as home improvements or consolidating debts.
As a mortgage broker, we specialise in equity release options; our mortgage advisors can help you find a solution that suits your circumstances.
The amount of equity you can release depends on several factors, including the value of your property, your remaining mortgage balance, and your financial circumstances.
Typically, lenders have limits on the percentage of equity you can release.
Speaking with a mortgage advisor can help you understand your options.
A secured loan is a type of borrowing that uses your property as collateral.
It can be a way to access funds for significant expenses, often at lower interest rates compared to unsecured loans.
However, failing to repay a secured loan could put your property at risk, so it’s important to consider this carefully.
Taking out a secured loan reduces the available equity in your property because it adds to the total amount owed against its value.
For example, if your property is worth £300,000 and you already have a £200,000 mortgage, a £20,000 secured loan would reduce your available equity from £100,000 to £80,000.
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Krist
Dealing with Conor & Jo has been a pleasure and the experience as been no hassle and put me at ease. Would definitely recommend!
3 days ago
Elaine
Johnathan has been totally amazing throughout the remortgage process. He has acted in a very professional manner and had taken in that a lot of the work to me difficult, he explained in a manner that was understandable, he showed great patience and...
3 days ago
Alan
Very helpful and professional team. We have used them many times and find them to be very efficient and always able to come with the correct product
4 days ago
Caroline
Fantastic service Dan and Jonathan were there with us every step of the way couldnt wish for more dedicated people Thank you so much Graham and Caroline
1 week ago
Abdul
Chris and Debbie were a great help throughout the process of securing my mortgage.
1 week ago
Abdul
Chris and Debbie were a great help throughout the process of securing my mortgage.
1 week ago
FIONA
Dan was amazing all the way through the mortgage process for a Later Life Mortgage. Dan and Jonathan were very patient no matter how many times I asked them to explain something to me. Both are very professional and caring. Dan and Jonathan...
1 week ago
Georgina
Brilliant service
2 weeks ago
Michal
Excellent service from start to finish. Professional, knowledgeable, and always quick to respond. Made the whole mortgage process clear and stress-free. Highly recommended!
2 weeks ago
Phoebe
Matt was excellent - professional, friendly, flexible, and very responsive. He explained everything clearly every step of the way, and secured us a successful mortgage offer that was exactly the right fot for our circumstances and budget. This is...
2 weeks ago
Mary
Brilliant communication at all times. Friendly service. Very supportive throughout. Thank you.
3 weeks ago
Preslav
Jason, Debbie and Stacey are a brilliant team of professionals without whom we would have had a really difficult and challenging time dealing with the mortgage process as first time buyers. Jason led the entire process from start to finish, he was...
1 month ago
Linda
My advisor Chris was brilliant from day one. Through both telephone and teams calls he made everything easy to understand, and the process was smooth. Stacey in the applications team was tireless in checking all of the documents I needed to upload...
1 month ago
Jacqualine
Excellent service, with me every step of the way. Highly recommended
1 month ago
Mary
Great support thank you! Communication was excellent. Dan was really knowledgeable and was able to to organise a mortgage that was perfect for me. Thank you.
1 month ago
Dana
My partner and I have had a fantastic experience with UK money man. Jason Loft has been our point of contact since we first started enquiring in 2022, to now buying our first home! He and the company have been nothing short of amazing. Jason has...
1 month ago
Benjamin
Jason has been superb as always, sources the best rates, friendly person, explains everything in simple terms and always contactable.
1 month ago
Darcy
The team are excellent went out of their way Would recommend .. understood my situation and got the deal done... no faffing around.. very professional and treat my like a human being.. speaks volumes in today complicated financial matters... thank...
1 month ago
Tomasz
Great customer service, excellent and professional.
1 month ago
Anonymous
Brilliant service, friendly and helpful. Takes away any stress and makes any processes smooth and seamless. Highly recommended!
1 month ago
Helpful Guides
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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Halifaxmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Halifaxmoneyman 2009–2026
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Halifaxmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Halifaxmoneyman 2009–2026
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