Berks & Bucks Finance
What is equity?
- All types of mortgages
- All types of people
- All types of property
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Step 1
Simple definition:
Equity = Property Value – Outstanding Mortgage
Example:
- Your property is worth £300,000
- Your outstanding mortgage is £200,000
- Your equity is £100,000
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Why equity matters?
- Remortgaging: More equity can give you access to better rates.
- Home improvements: You may be able to release some equity to fund renovations
- Selling: When you sell, your equity is what you’ll walk away with (after paying off the mortgage).
- Future borrowing: Equity can be used as security for other financial products like secured loans or Remortgage to buy another property
Equity can go down too!
If the property value drops, your equity can shrink—or even become negative equity if your mortgage is more than your home’s worth.
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