LVR Calculator

Calculate your Loan-to-Value Ratio (LVR) on your properties

Your Properties

Property 1

$
$

LVR

75.0%

Overall Portfolio

Total Property Value

$800,000

Total Mortgage

$600,000

Total Equity

$200,000

Overall LVR

75.0%

Standard LVR

Understanding LVR

Below 60%

Excellent position. Best interest rates available.

60% - 80%

Standard range. Good rates available without LMI.

Above 80%

May require LMI or guarantor. Higher rates possible.

Why LVR matters to lenders

Loan-to-value ratio is one of the quickest ways a lender measures risk. It shows how much of the property value is funded by debt and how much is covered by deposit or equity.

  • A lower LVR usually means a stronger lending position.
  • Higher LVR lending can come with tighter criteria or additional costs.
  • For investors, lender and regulator rules can be more restrictive than for owner-occupiers.

How to use your LVR result

Your LVR result helps frame deposit discussions, refinancing options, and equity planning. It is most useful when combined with servicing and cash-flow checks rather than viewed in isolation.

  • Use it to understand whether you are likely above or below key lending thresholds.
  • Re-check after valuation changes or when paying down principal.
  • For multiple properties, portfolio LVR can matter as much as the single-property figure.

LVR FAQs

What is a good LVR for a mortgage?

Lower is generally better. An LVR at or below 80% is often a key threshold for standard lending, while lower ratios may open up stronger pricing and flexibility.

Does a higher LVR always mean a worse loan?

Not always, but it usually means the lender sees more risk. That can affect approval options, pricing, or the need for extra support like a guarantor.

Can equity growth improve my LVR without a bigger cash deposit?

Yes. If property values rise or the mortgage balance falls, your LVR improves because the debt makes up a smaller share of the property value.

Disclaimer: This calculator provides estimates only and should not be relied upon for financial decisions. Actual loan terms, rates, and eligibility may vary. Please contact a Mortgage Lab adviser for personalised advice.

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