Property-Backed Business Finance Capacity Calculator
Estimate how much additional secured debt may fit against an Australian property at 65%, 70% and 75% total LVR. This tests security capacity only — not lender approval.
Designed for genuine business-purpose finance where real property is available as security.
How much room is there against the property?
Use realistic property and debt figures. A lender valuation may differ from your estimate.
Enter the property figures
The figures are security-capacity illustrations only. They do not account for lender valuation, property type, borrower capacity, purpose, fees, first-mortgage restrictions, credit history or exit requirements.
How to read the result
A result above the amount you want to raise means only that the property may have enough mathematical headroom at that total-LVR assumption. It does not mean the loan is approved or that a lender will accept that LVR for your transaction.
For second-mortgage scenarios, the existing first mortgage is included in total secured debt. The junior lender will also consider the first lender's terms, security priority and the exit strategy.
What to have ready for a scenario review
- property address and realistic value estimate
- current first mortgage / secured debt
- amount and business purpose
- first or second mortgage position
- required timeframe
- exit or repayment plan
Read the property-backed business finance guide or learn how second-mortgage business finance works.