Find your extra loan room without guesswork today. Balance equity, payments, and lender rules easily. Download results, plan term choices, and compare offers confidently.
For best accuracy, use your latest statement balance and a realistic income figure.
| Scenario | Property value | Outstanding | Income | Other debts | Max LTV | Max DTI | Rate | Term | Eligible top-up (approx.) |
|---|---|---|---|---|---|---|---|---|---|
| Baseline | 120,000 | 55,000 | 4,500 | 250 | 80% | 45% | 14.5% | 60 | 15,000 |
| Higher debts | 120,000 | 55,000 | 4,500 | 900 | 80% | 45% | 14.5% | 60 | 9,000 |
| More equity | 150,000 | 55,000 | 4,500 | 250 | 80% | 45% | 14.5% | 60 | 35,000 |
Example figures are illustrative and rounded; your output depends on stress settings and factors.
Top-up room starts with collateral. Lenders set a maximum loan-to-value (LTV), then subtract your outstanding balance. With a property value of 120,000 and an 80% LTV limit, the maximum total balance is 96,000. If the outstanding balance is 55,000, the equity cap for a top-up is 41,000. This cap protects against valuation changes.
Affordability uses a debt-to-income (DTI) ceiling to limit monthly obligations. With income of 4,500 and a 45% DTI limit, the maximum total monthly debt payment is 2,025. After subtracting 620 for the existing payment and 250 for other debts, the remaining payment room is 1,155 (before optional insurance). That payment room drives the estimate.
Policies may test payments at a higher stress rate. If the offered rate is 14.5% and the stress add-on is 2.0 points, the stress rate becomes 16.5%. Over 60 months, a 1,155 payment at 16.5% supports an affordability principal near 46,981. Stress testing reduces risk if rates rise.
Credit strength and employment stability can reduce the affordability cap. A good credit factor of 0.95 scales 46,981 to about 44,632. When the collateral cap is 41,000, eligibility is the lower of the two caps, so 41,000 is the estimated maximum. A practical range is 85%–100% to keep DTI room.
To evaluate a request, compare the requested amount against the eligible top-up and calculate the monthly payment at the offered rate. At 14.5% for 60 months, a 15,000 request is about 353 per month, while the full 41,000 limit is about 965 per month. Include fees to estimate net disbursed funds, then export results for comparisons. Finally, review DTI after and LTV after to confirm you remain under selected limits and buffers comfortably.
A top-up is an additional amount borrowed on an existing loan, often using the same collateral. Your lender checks equity limits, affordability, and policy rules before approving the extra amount.
LTV controls the maximum total balance relative to the collateral value. If the property is valued lower or the limit is strict, the collateral cap shrinks and can reduce your eligible top-up.
The stress add-on increases the test rate used for affordability. A higher test rate lowers the principal supported by your payment room, which helps prevent over-borrowing if market rates rise.
They scale the affordability cap to reflect policy caution. Stronger profiles keep more of the affordability limit, while weaker profiles reduce it, making the eligibility result more conservative.
Yes, if your lender requires credit-life or property insurance paid monthly. Adding it reduces the payment room available for the new top-up and can lower the affordability-based limit.
Lower recurring debts, increase verifiable income, select a longer term, or request a smaller amount. If possible, improve credit standing and keep LTV lower to increase approval comfort.
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.