Equity Access Fee Calculator

Plan equity access with transparent fees and limits. Adjust property value, balance, and access share. Download results, compare scenarios, and decide with confidence now.

Enter your details

Fields are grouped for quick comparison and scenario testing.
Layout: 3 columns (large) • 2 (medium) • 1 (small)
Used for formatting amounts in results and exports.
Current estimated market value.
Outstanding principal on existing loan(s).
Portion of equity you plan to access.
Applied to the access amount.
Useful for provider minimum increments.
One-time fee to set up access.
Often required to confirm value.
Covers paperwork and recording.
Optional: insurance, courier, admin, etc.
Applied after taxes are calculated.
Helps model capped pricing.
Applied to variable + fixed fees.
If your provider charges annual servicing.
Used only when ongoing rate is set.
Tip: To run a quick sensitivity test, change Access share and Fee rate, then recalculate.

Example data table

These sample scenarios help validate your inputs and expectations.
Scenario Property Balance Access % Access Amount Upfront Fees Net Proceeds
Conservative Access $400,000.00 $260,000.00 25.00% $35,000.00 $2,225.00 $32,775.00
Typical Access $550,000.00 $320,000.00 35.00% $80,500.00 $3,531.25 $76,968.75
Higher Fees + Tax $650,000.00 $410,000.00 40.00% $96,000.00 $5,354.48 $90,645.52
Example outputs are computed using the same formulas as the calculator.

Formula used

Core calculations
Available Equity = max(Property Value − Mortgage Balance, 0)
Access Amount = Available Equity × (Access % ÷ 100)
Variable Fee = Access Amount × (Fee Rate % ÷ 100)
Fixed Fees = Origination + Appraisal + Legal + Other
Fee Subtotal = Variable Fee + Fixed Fees
Taxes = Fee Subtotal × (Tax % ÷ 100)
Upfront Fees = Fee Subtotal + Taxes (then min/cap rules)
Net Proceeds = max(Access Amount − Upfront Fees, 0)
Ratios and optional costs
New CLTV % = ((Mortgage Balance + Access Amount) ÷ Property Value) × 100
Effective Upfront Fee % = (Upfront Fees ÷ Access Amount) × 100
Ongoing Fees = Access Amount × (Ongoing % ÷ 100) × Years Held
Total Cost = Upfront Fees + Ongoing Fees
Total Cost % = (Total Cost ÷ Access Amount) × 100
Rounding is applied where selected to better reflect provider pricing increments.

How to use this calculator

  1. Enter your property value and mortgage balance.
  2. Set the access share to model how much equity you want to unlock.
  3. Enter the fee rate and any fixed fees your provider quotes.
  4. Add a tax rate if fees are taxed in your jurisdiction.
  5. Optionally include ongoing service fees and the expected holding period.
  6. Click Calculate Fees to view results above the form.
  7. Use Download CSV or Download PDF for records and sharing.

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Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.