Upgrade or Renovate Calculator — Value Lending
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Upgrade or Renovate?

Compare the complete financial impact of selling and buying a new home versus renovating your current property — including all costs, loan changes, and long-term equity growth modelling.

Your Current Property
$
$
%
yrs
$
Available Savings & Funds
$
Upgrade: savings top up your sale equity, reducing the new loan.
Renovate: savings fund part of the reno, reducing what you borrow.
Option A — Selling Costs
$
%
$
$
Option A — New Property
$
$
$
$
Option B — Renovate
$
%
%
$
New Loan Settings
%
yrs
$
Growth Modelling
%
yrs

Adjust the inputs to see your full comparison.