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What will my property be worth?

Search your address. See your equity. Plan your next move.

Last updated: July 2026 · Reviewed by John Pierre Saliba, Director and Mortgage Broker, MFAA Accredited

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Search your property

Try: "Addison" / "Church" / "Harris" / "Smith" / "George"

How this calculator works

The address search runs against a small sample dataset of demonstration properties, each with an illustrative current value, last sale price, and a suburb growth rate. It is not connected to a live valuation feed, so the values shown are examples of how the tool works rather than an estimate of any specific property. For a real figure, request a free property report and John will send suburb data with comparable sales.

Once a property is selected, equity created since purchase is calculated as the estimated current value minus the last sale price. The future projection applies annual compound growth: future value equals the current value multiplied by (1 + growth rate) to the power of the number of years you select. You can adjust both the timeframe (1 to 20 years) and the growth rate (0% to 12%).

Key assumptions used by the calculator:

  • Future value = current value x (1 + annual growth rate) ^ years, compounded once per year.
  • The default growth rate is 5.5% per year, or the sample suburb growth rate once a property is selected; presets are 3% (low), 5.5% (average), and 8% (high).
  • Equity shown is value minus purchase price; it ignores your loan balance, transaction costs, and any capital gains tax.
  • Growth is applied as a straight compound line; real markets move in cycles with flat and negative years.

This is a general illustration only, not a valuation, financial advice, or credit advice. Actual property values depend on location, market conditions, and the individual property.

Property value FAQ

How do I find out what my property is really worth?
Online estimates are a starting point, but the most reliable figures come from recent comparable sales in your street and suburb, a desktop or full valuation ordered by a lender, or an appraisal from a local agent. When you refinance, the lender orders its own independent valuation, and that number, not an online estimate, determines your usable equity.
What growth rate should I use to project property value?
Long-run Australian capital city growth has historically averaged in the range of roughly 5% to 7% per year, but individual suburbs and decades vary widely, and growth arrives in cycles rather than a straight line. A conservative approach is to model a low case around 3%, a mid case around 5.5%, and a high case around 8%, then plan around the low case.
Is estimated equity the same as usable equity?
No. Equity is your property value minus your loan balance. Usable equity is smaller: most lenders will lend up to 80% of the property value without Lenders Mortgage Insurance, so usable equity is roughly 80% of the value minus your current loan. This calculator shows equity against your purchase price for illustration; your loan balance determines what you can actually access.
This calculator is for illustrative purposes only and does not constitute financial advice. Actual property growth varies by location, market conditions, and property type. Contact John at Lend & Loan for personalised advice.