Cornell Mortgages
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    PORTFOLIO PLANNER

    Every property, every loan — one clear picture.

    Slide to shape each loan or tap any figure to type it exactly. Add offsets, fees and extra repayments, then watch your combined debt, milestones and payoff update live.

    i

    Projections only. Estimates for guidance, not financial advice. Assumes constant rates, repayments and property values. The interest rates you enter are indicative assumptions for illustration — not quoted or advertised rates. General information only.

    PROPERTIES & LOAN SPLITS

    🏠

    Property 1

    $
    $100k$10m
    % p.a.
    PROPERTY LVR75.0%

    $600,000 across 1 split of $800,000

    LOAN SPLITS

    Loan Split 1

    $600,000 · 6.5% · Variable

    $3,792/mo
    $
    $0$10m
    %
    1%12%
    yr
    1 yr40 yrs

    When this loan draws down — set different dates for properties acquired at different times.

    Interest only

    A period of interest-only repayments

    🏠

    Value-add / improvement

    OPTIONAL

    Key milestones & equity

    Snapshot year

    PROPERTY PORTFOLIO — TODAY

    COMBINED PROPERTY VALUE

    $800,000

    1 property

    COMBINED LVR

    75.0%

    All loans / all properties

    COMBINED EQUITY

    $200,000

    Properties minus all loans

    NET EQUITY (WITH OFFSET)

    $200,000

    Properties + offset - loans

    USABLE EQUITY @80%

    $40,000

    No LMI

    LOAN PORTFOLIO — TODAY

    TOTAL PORTFOLIO DEBT

    $600,000

    All loans combined

    TOTAL OFFSET FUNDS

    $0

    Across all offset accounts

    EFFECTIVE PORTFOLIO DEBT

    $600,000

    After offset accounts

    TOTAL INTEREST (ALL LOANS)

    $765,267

    Over full loan terms

    ALL LOAN SPLITS — TODAY

    Loan Split 1 · Property 1
    $600,000

    When your portfolio LVR drops below...

    Key milestones & potential opportunities across the whole portfolio

    80%

    Under 80% LVR

    Est. equity: $200,000

    Typically no LMI required

    Now
    70%

    Under 70% LVR

    Est. equity: $262,582

    Stronger borrowing position

    Year 2
    60%

    Under 60% LVR

    Est. equity: $402,850

    Sharper rates may be available

    Year 6
    50%

    Under 50% LVR

    Est. equity: $523,143

    More flexibility & options

    Year 9
    25%

    Under 25% LVR

    Est. equity: $1,110,897

    Maximum financial flexibility

    Year 20
    0%

    0% LVR · debt-free

    Est. equity: $1,941,810 · owned outright

    Whole portfolio owned outright

    Year 30

    Estimates based on your loan settings and each property's growth rate.

    Portfolio — Total Property Value & Equity

    Total property value
    Total loans
    Total equity

    Want a broker to review your scenario?

    Cameron or Matthew can review your portfolio plan, explain the assumptions and discuss lending options.

    Indicative estimate only. This calculator does not constitute credit advice, pre-approval, loan approval, lender eligibility or confirmation that an amount is available to borrow. Actual borrowing capacity may vary between lenders and depends on a complete assessment of your circumstances.