Free Property Valuation Australia
Get a free, no-obligation estimate of your property's current value in minutes. Then speak with a Lendcap broker about your equity position, refinance options and how the July 2027 tax changes may affect you.
What We Do At Lendcap
CPA-led support | Australian lender access | Melbourne-based | Supporting property owners across Australia
Find Out What Your Property Is Worth Today
Enter your property address and a few basic details. Lendcap will generate an estimated valuation range and follow up with a broker-reviewed equity summary.
A Market in Motion and a Tax Deadline Approaching
The RBA lifted the cash rate to 4.35% in May 2026, its third increase of the year, while national home values have begun softening. Sydney and Melbourne dwelling values have both eased over recent quarters, and auction clearance rates have fallen to year-to-date lows in both cities.
At the same time, two Federal Budget reforms take effect from 1 July 2027: negative gearing will be limited to newly constructed properties for investors who purchased established residential property after 7:30pm AEST on 12 May 2026, and the 50% CGT discount will be replaced with a cost-base indexation model and a 30% minimum tax on capital gains for affected properties.
A current, broker-reviewed valuation helps owners understand their equity position, refinancing opportunities and borrowing capacity before conditions change further – the starting point for every decision that follows.
-
Confirm your current equity position before rates move again.
-
Understand how the July 2027 changes may apply to your specific property and purchase date.
-
Compare refinance or restructuring options while your options are widest.
-
Plan ahead of a sale, purchase or SMSF reporting deadline.
How Your Free Valuation Works
Enter your property address and a few basic details in the Free Property Valuation Report Form
Lendcap connects with you via email through sending next steps after your form is submitted
A broker reviews the estimate against local market conditions and refines the range where needed through a 15-30 minute strategy call.
Not every property produces an equally confident estimate. Unique properties, rural addresses or recent renovations may need a more detailed manual review before a reliable range can be provided.
Know Your Number Before You Decide What's Next
A valuation is only useful once it is put in context. A suitable refinance or purchase strategy depends on more than the estimated value alone.
-
Check your current loan-to-value ratio (LVR) and how it may change under a new valuation.
-
Understand exit costs, break fees or fixed-rate implications before refinancing.
-
Confirm how the July 2027 negative gearing and CGT changes apply to your purchase date and property type.
-
Compare lenders on rate, cashback offers, offset features and total cost – not headline rate alone.
-
Model the effect of further rate movements on serviceability before committing to a new structure.
.jpg)
Valuations for Every Stage of Property Ownership
Owner-occupier home
Confirm your current equity position ahead of a refinance, renovation or fixed-rate expiry
Investment property
Understand how a current valuation and the July 2027 changes affect your portfolio strategy.
SMSF-held property
Independent valuation support to help meet fund reporting and refinance requirements.
New purchase consideration
Compare an established property against a new build under the revised negative gearing rules.
Downsizing or upsizing
Establish an accurate baseline before listing your current property or budgeting for the next one.
Renovation or construction equity release
Assess available equity to fund renovations, subdivision or a construction project.
Property Valuations for Australian Owners
Lendcap is based in Melbourne and assists eligible property owners seeking valuations, refinancing and equity-release options across Australia.
Melbourne and Victoria
Supporting owners across Melbourne, Dandenong, Campbellfield, Laverton and regional Victoria.
Sydney and New South Wales
Helping owners across Sydney, Western Sydney and regional NSW understand current property values.
Brisbane and Queensland
Working with owners across Brisbane, the Gold Coast and regional Queensland as the market shifts.
Other Australian locations
Lendcap can also assist eligible owners in Western Australia, South Australia and the ACT, subject to data coverage and lender assessment.
What to Have Ready for Your Valuation Review
Property address and approximate land/dwelling size.
Most recent mortgage statement, if applicable.
Current council rates notice.
Details of any recent renovations or improvements.
Current loan balance and lender, if refinancing.
You do not need a formal bank valuation before speaking with Lendcap. The initial review helps identify what else may be required.
Frequently Asked Questions
Is the property valuation really free?
Yes. There is no cost or obligation to use Lendcap's valuation tool or to speak with a broker afterwards.
How accurate is the estimate?
The estimate uses property data sources and recent comparable sales and is broker-reviewed, but it is not a formal bank valuation. Actual value may differ, particularly for unique or unusual properties.
Does requesting a valuation affect my credit score?
No credit enquiry is required to request an estimate. A lender may conduct credit checks with consent if you proceed with a refinance or purchase application.
Will this affect my negative gearing status?
Requesting a valuation has no effect on your negative gearing status. The July 2027 changes depend on your property's purchase date and construction status, which a broker can help clarify.
Is this the same as a real estate agent appraisal?
No. A real estate agent appraisal is typically prepared for sale purposes. Lendcap's estimate is intended to support lending and equity decisions and may draw on different data sources.
Can investors and SMSF property owners use this tool?
Yes, investment and SMSF-held properties can be valued, subject to property type and data availability.
Do I need to be refinancing to use this tool?
No. Owners preparing for a sale, planning ahead of the July 2027 changes, or simply wanting an updated equity position are welcome to use the tool.
Find Out What Your Property Is Worth Before the Market Moves Again
Get your free valuation estimate and request a personalised equity review from a Lendcap broker.
-
No-obligation initial review.
-
Clear explanation of the July 2027 negative gearing and CGT changes.
-
Support comparing refinance and purchase options.
-
Access to suitable Australian lending options, subject to assessment.
General advice disclaimer
The information and calculator on this page are general and illustrative in nature. They do not take into account your objectives, financial situation or needs and should not be considered financial, tax, accounting or legal advice. Calculator results are estimates based solely on the information entered. They are not a quote, approval, recommendation or offer of finance. Actual eligibility, advance rates, fees, interest rates, facility limits, approval times and conditions vary between lenders and applicants. Finance is subject to application, lender assessment, eligibility criteria and approval. Terms, conditions, fees and charges apply. Lendcap may receive fees or commissions in connection with finance arranged through participating lenders. Relevant fees and commissions should be disclosed before you proceed.