Home loan
Start Your Journey
Compare lenders, get pre-approval, and manage your full home loan journey - from first inquiry through to settlement.
Equity Calculator
Estimate your property value, current equity, and potential usable equity based on your address and loan amount.
Property value estimate
Usable equity estimate
Ready in seconds
What makes Domium different
One platform. From estimate to settlement.
Guide
Lending specialists
Compare loan options, understand trade-offs, and move forward with a clearer lending strategy.
You're not alone
In-house conveyancing
Keep legal work connected to the journey with an in-house team built to move from contract to settlement.
Control
Tools + visibility
Use reports, calculators, and platform visibility to understand the numbers and stay in control.
Related actions
Continue in the platform to compare options, track your journey, and move forward with more clarity.
Explore
Quick summary
Loan summary
View the key details of your loan, including structure, repayments, rates, and next steps.
Calculator
Extra Repayment Calculator
See how making additional repayments could reduce your loan term and lower your total interest paid.
Calculator
Offset Calculator
See how an offset account could reduce your interest and help pay off your loan sooner.
Equity calculator FAQs
Common questions about property equity, usable equity, property value estimates, and what to check before using equity.
The calculator uses the property address, estimated property value, and current loan amount to estimate potential equity. It can also show an indicative usable equity amount based on 80% of the estimated property value minus the loan balance.
Usable equity is the amount you may be able to access while keeping the loan within a lender’s preferred loan-to-value range. Many borrowers use 80% as a common reference point, but lender policy and your full financial position still matter.
No. Property value estimates are indicative only. A lender may require a formal valuation before approving a loan, refinance, or equity release.
Potentially, yes. Accessing equity depends on your usable equity, income, expenses, existing debts, repayments, lender policy, and the purpose of the new loan.
Use the estimate as a starting point, then speak with a lending specialist to review borrowing capacity, loan structure, repayments, and lender options.
Results that speak
Trusted by 2,000+ property buyers, investors and SMSF clients
5.00
We were buying our first home and felt overwhelmed at the start. Domium kept everything clear, moved quickly, and made the whole process feel far less stressful than we expected.
Result:
First home purchase completed with confidence
— Emily R.
Sydney, NSW
5.00
The communication was excellent from day one. We always knew what stage we were at, what was still outstanding, and what the next step would be.
Result:
Loan and settlement managed in one smooth journey
— James T.
Melbourne, VIC
5.00
We refinanced and finally felt like we had a structure that actually suited us. The team explained everything in plain English and made the numbers easy to understand.
Result:
Refinance completed with a clearer loan strategy
— Sarah L.
Brisbane, QLD
5.00
What stood out most was how coordinated everything felt. Instead of chasing different people, we had one team across the journey and that saved us a lot of time.
Result:
Property purchase progressed with less back and forth
— Michael P.
Adelaide, SA
5.00
We were on a tight timeline and Domium stayed on top of every detail. They were responsive, organised, and calm when things became time-sensitive.
Result:
Finance approved and settlement kept on track
— Olivia W.
Perth, WA
5.00
As investors, we wanted clarity around structure and next steps. Domium gave us practical advice, kept things moving, and made the process feel very well managed.
Result:
Investment purchase completed with stronger structure
— Nathan C.
Gold Coast, QLD
5.00
The experience felt professional without ever becoming too formal or confusing. We had confidence in the advice and felt supported the whole way through.
Result:
Home loan journey handled with clarity and support
— Chloe D.
Canberra, ACT
5.00
We had a few moving parts in our application, and Domium handled them with care. They were proactive, realistic, and easy to deal with from start to finish.
Result:
Complex application managed with clear guidance
— Ben H.
Newcastle, NSW
5.00
Domium made a process that usually feels complicated feel straightforward. We always felt informed, and nothing ever slipped through the cracks.
Result:
Purchase journey delivered with strong coordination
— Sophie M.
Hobart, TAS
5.00
From strategy through to settlement, the team was consistent, responsive, and genuinely helpful. It felt like we had people in our corner the entire time.
Result:
End-to-end journey completed with full visibility
— Daniel K.
Wollongong, NSW