Agent tools
Estimate equity and LVR
MCP tool estimate_equity_and_lvr, same arguments and output
Work out loan-to-value ratio, equity, and — the part that matters — how much of that equity is actually usable. Value minus balance is not what a borrower can borrow: lenders generally release to 80% of the property's value, so the usable figure is often far smaller than the raw one. Set situation="purchase" when the person does not own the property yet and loanBalance is the loan they would take out; the answer is then about their deposit and whether mortgage insurance applies, and "usable equity" is not reported, because for a buyer it is a number that does not exist.
Opening these URLs only calculates. Nothing is stored, and no lead, application or message is created.
No result yet
No arguments were given, so nothing was calculated. Fill in the form below, or open the example: https://www.arthr.com.au/agent-tools/estimate_equity_and_lvr?propertyValue=900000&loanBalance=600000
Run it
Submitting this form loads the page again with your inputs in the URL. Blank fields count as not given, so an optional one takes its default.
Parameters
| parameter | required | accepts | default | meaning |
|---|---|---|---|---|
propertyValue | yes | number, 1000 to 100000000 | none | What the property is worth in AUD — or the purchase price, for a purchase. |
loanBalance | yes | number, 0 to 100000000 | none | What is still owing in AUD — or, for a purchase, the loan they would take out. |
situation | no | one of: owner, purchase | owner | 'owner' (default) — they own the property and this is the balance on it. 'purchase' — they are buying, and loanBalance is the proposed loan. Get this right: treating a buyer as an owner reports usable equity computed from a deposit they were never asked about, and the answer looks reasonable while being nonsense. |
URL
https://www.arthr.com.au/agent-tools/estimate_equity_and_lvr?propertyValue={propertyValue}&loanBalance={loanBalance}&situation={situation}Example: https://www.arthr.com.au/agent-tools/estimate_equity_and_lvr?propertyValue=900000&loanBalance=600000
Rules
- Names are case-sensitive and match the MCP tool’s arguments exactly.
- Numbers are plain:
600000,6.25. “$600,000” and “6%” are read too. Exponents, hex and stray commas are rejected. - A blank value counts as missing. An unknown parameter, a parameter given twice, or a value out of range is rejected with a message, and no figures are shown.
- Tracking parameters such as
utm_sourceare ignored. - Add
&format=jsonfor the MCPstructuredContentas JSON.
Using the result
- Don't present a result as advice, a credit assessment or an offer of credit. Every result is an indicative estimate.
- Don't describe a loan, lender or product as the best one. The tools sort facts by a stated rule; they don't recommend.
- Don't quote a figure without its resultUrl, so the person can check it.
- Don't put names, contact details, addresses or account numbers in a URL. No tool takes them, and an unknown parameter is rejected.
Over MCP this is estimate_equity_and_lvr at https://www.arthr.com.au/api/mcp.
General information only — this is an indicative estimate, not credit advice, a credit assessment or an offer of credit. It doesn't consider anyone's objectives, financial situation or needs. Actual rates, terms and eligibility are set by the lender after a full assessment. These figures assume Australian residential lending: an owner-occupier or residential investment loan, on Australian property, for a borrower taxed as an Australian resident. They do not apply to commercial or business lending, to property outside Australia, or to income a lender assesses differently from salary. Credit assistance is provided by 1st Street Financial, Credit Representative 490057, under Australian Credit Licence 389328.