Mortgage calculator
Ontario home equity calculator
Estimate gross equity, total secured borrowing room, and illustrative HELOC room.
Reviewed August 31, 2026Illustrative estimate
Gross home equity$300,000Current loan-to-value62.5%Room to 80% total LTV$140,000Illustrative HELOC room$140,000HELOC revolving credit is generally capped at 65% of property value and total secured borrowing may usually reach 80%. Appraisal, qualification, property, product, and lender limits apply.
How to use this estimate
Use current documents.Enter figures from the mortgage statement, renewal offer, payout quote, appraisal, or commitment where possible.
Compare like with like.Use the same balance, time period, and payment frequency when comparing alternatives.
Check the actual terms.Qualification, fees, compounding, privileges, and lender calculations may produce different results.