Equity

What is Equity?

In mortgage lending, Equity is the difference between the value of your property and your current mortgage. If your current mortgage balance exceeds the value of your property you are in negative equity. Ideally, throughout the course of a mortgage your equity would increase.

In investment-speak, the term can be defined as anything which represents ownership interests and therefore often refers to stocks and shares.


Q: How do I find out how much equity is in my home?

A: If you find out the current market value of your home and subtract the remaining mortgage amount, the figure you’re left with should be the property’s equity. If you are left with a minus amount, it is negative equity.

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