diff --git a/electrum/lnworker.py b/electrum/lnworker.py
index 98da4fc91..4ce2c7999 100644
--- a/electrum/lnworker.py
+++ b/electrum/lnworker.py
@@ -912,6 +912,11 @@ class LNWallet(LNWorker):
         return (self.can_have_recoverable_channels()
                 and self.config.LIGHTNING_USE_RECOVERABLE_CHANNELS)
 
+    def has_anchor_channels(self) -> bool:
+        """Returns True if any active channel is an anchor channel."""
+        return any(chan.has_anchors() and not chan.is_redeemed()
+                    for chan in self.channels.values())
+
     @property
     def channels(self) -> Mapping[bytes, Channel]:
         """Returns a read-only copy of channels."""
diff --git a/electrum/submarine_swaps.py b/electrum/submarine_swaps.py
index c69e63283..00c5da81d 100644
--- a/electrum/submarine_swaps.py
+++ b/electrum/submarine_swaps.py
@@ -926,12 +926,8 @@ class SwapManager(Logger):
         """ for server """
         self.percentage = float(self.config.SWAPSERVER_FEE_MILLIONTHS) / 10000  # type: ignore
         self._min_amount = 20000
-        anchor_reserve = self.config.LN_UTXO_RESERVE \
-                                if (any(chan.has_anchors() and not chan.is_redeemed()
-                                for chan in self.lnworker.channels.values())) else 0
-        oc_balance = max(sum([coin.value_sats() for coin in self.wallet.get_spendable_coins()])
-                                - anchor_reserve, 0)
-        max_forward: int = min(int(self.lnworker.num_sats_can_receive()), oc_balance, 10000000)
+        oc_balance_sat: int = self.wallet.get_spendable_balance_sat()
+        max_forward: int = min(int(self.lnworker.num_sats_can_receive()), oc_balance_sat, 10000000)
         max_reverse: int = min(int(self.lnworker.num_sats_can_send()), 10000000)
         self._max_forward: int = self._keep_leading_digits(max_forward, 2)
         self._max_reverse: int = self._keep_leading_digits(max_reverse, 2)
diff --git a/electrum/wallet.py b/electrum/wallet.py
index 3475e6053..c81348598 100644
--- a/electrum/wallet.py
+++ b/electrum/wallet.py
@@ -1069,6 +1069,23 @@ class Abstract_Wallet(ABC, Logger, EventListener):
         domain = self.get_addresses()
         return self.adb.get_balance(domain, **kwargs)
 
+    def anchor_reserve(self) -> int:
+        if self.lnworker is None or not isinstance(self.lnworker, LNWallet):
+            return 0
+        if not self.lnworker.has_anchor_channels():
+            return 0
+        return self.config.LN_UTXO_RESERVE
+
+    def get_spendable_balance_sat(
+        self,
+        deduct_anchor_reserve: bool = True,
+        **kwargs
+    ) -> int:
+        anchor_reserve = self.anchor_reserve() if deduct_anchor_reserve else 0
+        spendable_coins = self.get_spendable_coins(**kwargs)
+        oc_balance = sum([coin.value_sats() for coin in spendable_coins]) - anchor_reserve
+        return max(0, oc_balance)
+
     def get_addr_balance(self, address):
         return self.adb.get_balance([address])
 
@@ -1843,7 +1860,7 @@ class Abstract_Wallet(ABC, Logger, EventListener):
             tx_outputs: List[PartialTxOutput],
             is_anchor_channel_opening: bool,
     ) -> bool:
-        channels_need_reserve = self.lnworker and any(chan.has_anchors() and not chan.is_redeemed() for chan in self.lnworker.channels.values())
+        channels_need_reserve = self.lnworker and self.lnworker.has_anchor_channels()
         # note: is_anchor_channel_opening is used in unit tests, without lnworker
         is_reserve_needed = is_anchor_channel_opening or channels_need_reserve
         if not is_reserve_needed: