Flagship Equity Check

Drop in your valuation and loan, tick whether your engineer’s certificate is up to date, and we’ll show how much equity is working for you, how much is sleeping, and what could unlock after renovations.

Equity Check – Existing Home

Use your latest valuation and engineer’s certificate status to see roughly how much equity you have – and how much could open up after renovations.

Simple guide only. This does not replace a bank assessment, valuation advice or an engineer’s report. It just shows what your equity could look like under common Fiji lending rules.

1. Property valuation

Grab your latest valuation report if you have one and plug in the key numbers.

Total property value (house + land) From valuation report

Land value only Land value from the same valuation

Engineer’s certificate For the structure on the property

If your engineer’s certificate is not valid, most lenders will only treat the land value as usable security. Once you renovate and get a new certificate, the full house + land value usually comes into play.

2. Loan and bank limit

Now add your current loan amount and a simple LVR limit for the bank.

Current home loan balance Total owing secured on this property

Bank max LVR Common guide is 80% of value

This calculator uses your max LVR on: house + land if the certificate is valid, and on land only if the certificate is not valid. It also shows a “what if” if you renovate and fix the certificate.

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Your equity snapshot

Fill in your details…

Put in your valuation and loan amount, then we’ll show: 1) How much equity you have on paper, 2) How much banks may use right now, and 3) How much could open up if you renovate and get an engineer’s certificate.

On-paper equity (house + land)

–

Total property value minus your current loan. This is the “you own this much” number on paper.

Equity as % of full value: –

Usable equity (right now)

–

This is based on your current engineer’s certificate status and bank LVR.

Base value used: –

Bank limit now: –

Potential usable equity (after renovations)

–

This assumes you renovate, obtain a valid engineer’s certificate, and a lender is happy to go to 80% of the full property value.

Future bank limit at 80%: –

Once you enter your details, we’ll spell out what this means in plain English.

See detailed breakdown

Total property value (house + land): –
Land value only: –
Loan balance: –
Bank max LVR now: –

Max loan now (based on current certificate status): –
Usable equity now: –

Max loan after renovations (80% of full value): –
Usable equity after renovations: –

This is a guide based on simple assumptions. Actual lending will depend on updated valuations, engineer’s reports, your income, existing debts and each lender’s policy.

Next steps & related tools

Deposit Helper Refinance Feasibility Borrowing Power Rent vs Buy

Talk to a Flagship adviser Start your home loan application

Equity, engineer’s certificates and banks – simple answers

These are plain-English explanations to help you understand the idea. We’ll always check the real numbers and policies before you make big decisions.

Why does the engineer’s certificate matter for equity?

In Fiji, many lenders are more comfortable using the full house + land value when there is a valid engineer’s certificate for the structure. If the certificate has expired or does not exist, they may prefer to treat it more like land with a building that hasn’t been “signed off” – so they lean heavier on the land value only when working out how much they can safely lend.

What happens if my engineer’s certificate is not valid?

If there is no valid certificate, many banks will only use the land value as the base for lending, or they will reduce how much they’re comfortable lending on the full value. In this calculator we keep it simple: we use your bank LVR on the land value only to estimate usable equity “right now”.

How does renovating and getting a new certificate help?

Once you renovate or upgrade the property and obtain a valid engineer’s certificate again, the full house + land value usually comes into play. That means the bank may be willing to lend up to around 80% of the total value (depending on policy). In this calculator we show a “future” scenario using 80% of the full value as a simple guide.

Does this calculator tell me exactly what a bank will lend?

No. It gives you a rough picture using simple rules. Banks will still look at: your income, job type, other loans, credit history, property type, the actual valuation and the engineer’s report. Use this as a conversation starter, not a final approval.

What should I do after using this equity calculator?

Once you’ve put your numbers in, download the summary (PDF) and send it to us through the contact page. Tell us if you’re thinking about renovating, refinancing or buying another property. We’ll run proper lender checks and help you plan whether to fix the certificate first, refinance, or use equity for your next move.