TopToolsAiCalculate how much you could potentially borrow against your home's equity, based on your home's value, remaining mortgage balance, and lender loan-to-value limit. A home valued at PKR 20,000,000 with PKR 8,000,000 still owed on the mortgage has PKR 12,000,000 in equity, and a lender capping loans at 80% loan-to-value would typically allow borrowing up to around PKR 4,000,000 against it.
Last updated: 1 Sep 2026
How to use Home Equity Loan Calculator
- Enter your home's current value and remaining mortgage balance.
- Enter the maximum loan-to-value percentage your lender allows.
- Click "Calculate" to see your equity and how much you could borrow.
Frequently asked questions
What is loan-to-value (LTV)?
It's the percentage of your home's value that a lender is willing to lend against, factoring in what you still owe on your existing mortgage.
Does this guarantee I'll be approved for this amount?
No — this is an estimate based on typical lender limits. Actual approval depends on your credit, income, and the specific lender's policies.
What's a typical LTV limit lenders allow?
Many lenders cap combined loan-to-value around 80-85% of your home's value, though this varies by lender and loan type.
What can a home equity loan be used for?
Common uses include home renovations, debt consolidation, or major expenses — though using your home as collateral means it's at risk if you can't repay.
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