Home equity calculator

Unlock financial flexibility with your home equity. Find out how much you may qualify to borrow through a mortgage or line of credit, and explore your borrowing options.

Step 1 of 3

Let's calculate how much you may be able to borrow

Where's your property located? The location of your property impacts how much of your home equity you can access. Select your province to get an estimate.
Province or territory

You may qualify to borrow up to:

80% of your home's appraised value as a mortgage
65% of your home's appraised value as a line of credit
Step 2 of 3

Let's calculate how much you can borrow

What's your home's appraised value? Your home equity is based on the current value of your property, the balance owing on your mortgage and any other debts secured by your property. Select the appraised value.

Appraised value in dollars.

Appraised value is how much your home is worth in the current market. An appraisal is a report of this value.

Appraised property value slider. Minimum amount: $0. Maximum amount: $2 million.

An appraiser calculates the value of your home by looking at local market conditions and recent selling prices of similar properties in the area.
Step 3 of 3

Let's calculate how much you may be able to borrow

How much do you owe on your home, including your mortgage balance and any other secured debt? As you pay down your mortgage balance, the amount of your home equity usually increases.

Mortgage balance and other secured debt in dollars.

Your mortgage balance is the principal amount you still owe to your lender. It doesn't include future interest payments. Secured debt is additional debt secured by your home that could include a second mortgage, a line of credit or a loan.

Mortgage balance slider. Minimum amount: $0. Maximum amount: 85% of appraised value.

There are usually ways to pay down your mortgage faster. Explore the options in your mortgage agreement or contact us for help.

Property details

Province or territory

Appraised value

Mortgage balance and other secured debt

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My results

Based on your information, you may be able to access up to $ of your home equity*.

Mortgage balance and other secured debt
Estimated equity you may qualify to borrow

Edit my calculations

Explore your borrowing options

Lump sum

CIBC Home Power® Mortgage

Take advantage of your home equity. Borrow more money by refinancing your mortgage with the CIBC Home Power Mortgage:

Consolidate expenses into one monthly payment
Access up to 80% of your home’s appraised value¹

Learn more about a CIBC Home Power Mortgage

Apply now

Lump sum

CIBC Personal Loan

Take out a personal loan, starting at $3,000:

Choose fixed or variable interest rates, payment frequency and term
Pay off all or part of the loan at any time without penalty
Apply online for faster approval

Learn more about a CIBC Personal Loan

Apply now

Ongoing access

CIBC Home Power Plan Line of Credit²

Enjoy convenient and constant access to your money with a CIBC Home Power Plan Line of Credit, secured against your home:

Borrow only the money you need at a low interest rate
Take advantage of flexible repayment plans, including an interest-only payment option
Get automatic mortgage rebalancing³. Your available credit increases as you pay down your mortgage

Learn more about a CIBC Home Power Plan Line of Credit

Ongoing access

CIBC Personal Line of Credit

Enjoy flexible access to funds for everyday expenses or large purchases at interest rates lower than most credit cards:

Pay interest only on the funds you use
Take advantage of flexible repayment plans, including penalty-free pre-payment options
Get 24-hour access to your money with no transaction fees

Learn more about a CIBC Personal Line of Credit

Apply now

* The home equity calculator is for demonstration purposes only. All calculations are approximate, based on information you provide and may not be as illustrated. Applicants must meet CIBC lending criteria.

Bundle to earn up to $850. Start with a CIBC Smart® Account.^{†, ‡}Qualifying actions apply.

Home equity calculator

Let's calculate how much you may be able to borrow

Let's calculate how much you can borrow

Let's calculate how much you may be able to borrow

Property details

My results

Explore your mortgage options

Get pre-qualified for a CIBC Mortgage. Opens a new window.

Switch your mortgage to a CIBC mortgage. Opens a new window.

Browse mortgage offers

Get up to $5,500 with a select CIBC mortgage^†

Need help?

Frequently asked questions

Discover more helpful resources

Consolidate your debt into a conventional mortgage, home equity loan or line of credit

Mortgage refinancing

Buying a second home

Ready to take the next step? We’re here to help.

Bundle to earn up to $850. Start with a CIBC Smart® Account.†, ‡ Qualifying actions apply.

Home equity calculator

Let's calculate how much you may be able to borrow

Let's calculate how much you can borrow

Let's calculate how much you may be able to borrow

Property details

My results

Explore your mortgage options

Get pre-qualified for a CIBC Mortgage. Opens a new window.

Switch your mortgage to a CIBC mortgage. Opens a new window.

Browse mortgage offers

Get up to $5,500 with a select CIBC mortgage†

Need help?

Frequently asked questions

Discover more helpful resources

Consolidate your debt into a conventional mortgage, home equity loan or line of credit

Mortgage refinancing

Buying a second home

Ready to take the next step? We’re here to help.

Bundle to earn up to $850. Start with a CIBC Smart® Account.^{†, ‡}Qualifying actions apply.

Get up to $5,500 with a select CIBC mortgage^†