How much of a house can be borrowed against
Not the equity. Two rules decide it, and whichever runs out first is the answer.
For educational purposes only. Simplified illustrations for self-led learning: explore at your own pace, in any order, and use the numbers you choose. Nothing here is based on your circumstances, so it is not financial, investment or tax advice, and not a recommendation.
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What's inside
- A home equity line of credit is capped at 65% of what the home is worth
- A minimum slice of equity has to survive, which caps total borrowing below that again
- The gap between equity and borrowable room is usually large, and surprises people
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