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Estimate your HomeFlex access
Move the sliders below to see how much of your home's value you could unlock, without new loans or monthly repayments.
What is your home currently worth?
$500,000
$5,000,000
How much do you currently owe on your mortgage?
$0
$8,000,000
You may be able to unlock
$50,000 - $150,000
This estimate is based on your home's current value and equity.
This estimate is based on your
home's current value and equity.
home's current value and equity.
How much would you like to access?
$0
$8,000,000
When do you expect to repay LongView?
1 Year
10 Years
How much do you expect your home will be worth in years?
$0
$5,000,000
Estimated home value in years 1
$6,086,189
Mortgage balance 2
$4,754,514
Total amount you owe LongView
$5,785,458
Your remaining home equity
$150,000
Calculator details
This calculator is provided for illustrative purposes only. The actual outcome will vary depending on unknown variables such as property values, loan terms, interest rates and approved loan sizes etc.
1 - This is based on your estimate of your future home value. For customers with a funding need <3 years, please contact LongView on 1800 931 784 to discuss your financial needs.
2 - If you do not specify your remaining loan term or interest rate under additional questions, the calculator will assume a 25-year loan term and 6.5% p.a. interest rate on your first mortgage and will amortise the mortgage balance accordingly. Any amortisation does not consider the effect of additional repayments, balances in offset accounts or fluctuating interest rates.
Happy with how much you could potentially access? Want to see if your home is eligible?
How Does HomeFlex Work?
How Does HomeFlex Work?
1
See What You
Could Unlock
Use our calculator to check
your home equity and find
out if you're eligible
2
Chat With
Our Team
We'll answer your
questions and help
arrange a property assessment.
3
Get Your
Offer
Receive a clear,
no-pressure offer based
on your home's value.
4
Pay Us
Back Later
No repayments while you live
in your home - just an interest
free share of its future growth.
1See What You Could Unlock
Use our calculator to check your home equity and find out if you're eligible
2Chat With Our Team
We'll answer your questions and help arrange a property assessment.
3Get Your Offer
Receive a clear, no-pressure offer based on your home's value.
4Pay Us Back Later
No repayments while you live in your home - just an interest free share of its future growth.
Frequently Asked Questions
Frequently Asked Questions
What is home equity?
+
Equity on property (or home equity) is your home’s current market value minus your outstanding mortgage balance, it’s the portion of your property you truly own. HomeFlex lets you tap into that equity today by advancing you funds in exchange for a share of future property growth. This is not a loan, there are no new monthly repayments, and you remain solely on title.
What is a simple equity calculator?
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A simple equity calculator takes two inputs- your home’s market value and your remaining mortgage - and shows you how much equity you may be able to unlock with HomeFlex. There’s no login or credit check, and you’ll see your HomeFlex unlock estimate in under a minute.
How much equity do I have in my home?
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Our calculator focuses on how much equity you could unlock with HomeFlex, rather than your total equity balance. Enter your home’s valuation and outstanding loan amount and you’ll see your HomeFlex unlock range instantly. If you’re eligible, we recommend comparing that result with the official Centrelink Home Equity Access Scheme calculator for the complete picture.
What is the Centrelink Home Equity Access Scheme calculator?
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The Centrelink Home Equity Access Scheme calculator is a government-run tool for eligible retirees to estimate how much they can borrow under that scheme. We don’t display those figures here - you can use the official calculator on the Services Australia website. In contrast, our simple equity calculator shows your HomeFlex unlock amount in seconds.
How do I know if I am eligible for the Centrelink Home Equity Access Scheme?
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You can check your eligibility on the Services Australia website. The scheme’s criteria include your age, home ownership status and residency. Visit servicesaustralia.gov.au and search “Home Equity Access Scheme” for full details.
Can HomeFlex help me avoid refinancing my mortgage?
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Yes, HomeFlex allows you to access the equity in your home without refinancing, taking on a new loan, or increasing your monthly repayments.
Will using HomeFlex add more financial pressure to my situation?
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There are no monthly repayments, no interest, and no refinancing required. HomeFlex is designed to ease financial pressure, not add to it. We strongly recommend seeking independent financial advice before proceeding. There may be some situations where we require you seek independent financial advice.
Can I use HomeFlex to catch up on missed mortgage payments?
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Yes, you can use the funds unlocked through HomeFlex to cover mortgage arrears or ongoing repayments, giving you more breathing room.
Can I use HomeFlex to catch up on missed mortgage payments or pay down debts?
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Yes, this is one of the many acceptable loan purposes. However, if the funding is provided to relieve financial hardship or consolidate debts, part or all of the funds may be required to pay down existing debts to ensure long-term financial stability.
When do I repay HomeFlex
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You repay when you sell your home, refinance your mortgage, or choose to buy out HomeFlex’s share - with no monthly repayments in the meantime.
Who is eligible for HomeFlex?
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You may be eligible if you own and live in an established home (not a high-rise apartment, new townhouse, or house-and-land package) located in Melbourne, Sydney, Brisbane, or the Gold Coast, (and surrounding regional areas) and have built up sufficient equity.
How does HomeFlex make money?
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HomeFlex provides funds now in exchange for a share (typically one-third) of your home’s future capital growth. We don’t make our money through interest or monthly repayments.
