Property and mortgage tracker: equity, LVR and offsets.
Worthbase is a property portfolio tracker that keeps your home, rentals and mortgages in the same ledger as everything else you own. It works out equity and loan-to-value (LVR) for each property, counts offset accounts against their loans, and keeps every valuation with its date and source.
What should a home equity tracker show you?
Equity is the property's value minus the debt secured against it. Loan-to-value is that debt as a share of the value. Both need a current valuation, the real loan balance, and any offset or redraw money that reduces what you effectively owe.
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Valuations with a source
Record a value from a bank estimate, an agent's appraisal or a formal valuation. Your AI can also look up an estimate for the address and record it along with where it came from. Every valuation is kept as history.
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Loans linked to what they secure
Link each mortgage to its property. Worthbase then shows each property's value, secured debt, equity and LVR.
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Offset accounts counted properly
Link an offset account to its loan and you see the loan's effective balance, the figure interest is charged on, without double counting the cash.
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What each loan paid for
Link a loan to the asset it funded, like a rental or a share portfolio, and the debt report splits borrowing into income-producing and private, as an estimate.
For the Hamilton rental, in Canadian dollars (illustrative figures):
Property inside your whole balance sheet.
For many households, property is the biggest asset and the mortgage the biggest debt. A mortgage tracker that sits apart from your shares, retirement accounts and cash only tells half the story.
Home and rentals
Track your own home, investment properties and land, each with its owners split by exact percentage, for example 50/50 between partners.
Every kind of loan
Mortgages, home equity and investment loans, margin loans, car loans and credit cards, all as liabilities in the same net worth.
Stale-value nudges
Property values don't update themselves. When a valuation or loan balance goes stale, you get a reminder with the sentence to ask your AI.
Market moves kept apart
The weekly email separates market moves from values you updated, so a new property estimate doesn't look like a good week.
Debt-free goals
Set a goal to bring debt down to a figure, or to zero, by a date, and see whether you're on pace.
Any currency
A flat in London and a house in Sydney can sit in one workspace, each in its own currency, converted to your base currency.
Questions about your properties.
Property tracker questions.
Does Worthbase value my property automatically?
No. There's no automatic property price feed. You record valuations yourself, or ask your AI to look up an estimate and record it with its source. Each valuation is dated and kept, and Worthbase reminds you when one gets old.
How are offset accounts treated?
An offset account is still cash you own, so it counts as an asset. When you link it to a loan, the debt report also shows the loan's effective balance after the offset and the LVR on that basis.
Does it connect to my mortgage lender?
No. Give your AI a loan statement or tell it the balance, approve the preview, and it's recorded. Worthbase never logs in to your bank.
Can it track rental income and expenses?
Worthbase tracks what the property is worth and what's owed on it, and can record income against a holding. It isn't a landlord bookkeeping or budgeting tool, so rental expenses are best kept where you do your tax.
Let your AI keep the books.
Worthbase tracks everything your household owns and owes, prices it daily and does every calculation exactly. Connect it to Claude or ChatGPT in two minutes.
