See your equity, how much you could still draw and how a market fall would change your LVR.
A margin loan lets you borrow to invest, using your shares or ETFs as security. Your lender sets a maximum loan-to-value ratio (LVR), and if a market fall pushes your LVR past the lender's margin call level you may have to repay part of the loan or add security.
Enter your portfolio value, your loan and your lender's limits to see your equity, how much you could still draw, and a table showing what happens if the market falls by 10% to 50%.
A margin call is a demand from your lender to reduce your loan or add security when your LVR rises above the level set in your loan terms, usually because the value of your investments has fallen.
LVR is the loan divided by the value of the securities held as collateral. Lenders set a maximum LVR for each approved holding.
It depends on how much you have borrowed and your lender's margin call LVR. The calculator shows the percentage fall that would take your LVR to that level.
Lenders assign different LVRs to different shares and ETFs. The calculator uses a single blended figure that you enter, so check your lender's approved list. Borrowing to invest magnifies losses as well as gains. It is general information, not financial advice.
Work out your home equity and how much you could borrow against it.
Check if your equity and savings could cover the deposit and costs of another property.
See how your equity could build as the loan is paid down and the value changes.
General information only, not financial advice. Check important figures with the relevant authority or a licensed adviser before you act.