Buying a home
LVR calculator.
LVR drives whether you pay Lenders Mortgage Insurance, and which lender pricing tiers you can reach.
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$
Loan to value ratio
80.0%
At or below 80% LVR, you generally avoid Lenders Mortgage Insurance and access a wider range of lender pricing.
- Property value
- $800,000
- Loan amount
- $640,000
- Equity
- $160,000
What could change this figure
- The lender's valuation, which may differ from the purchase price
- Whether LMI is capitalised into the loan
- Profession-based LMI waivers available to some borrowers
- Whether the property is owner-occupied or an investment
This is an estimate only, based on the figures you have entered and simplified assumptions. It is not credit advice, an offer of credit, or an indication that any lender will approve a loan.
How this is calculated
- LVR is calculated on the figure you enter as property value. Lenders use their own valuation, which can be lower.
- The 80% threshold is a general guide. Some lenders and some professions have different LMI treatment.
Free guide
The First Home Buyer's Plain English Guide
National edition
- What you can realistically borrow, and what lenders actually look at
- How much deposit you really need, and how LMI can sometimes be avoided
- The grants and concessions available, and who qualifies
- The upfront costs most first buyers forget until settlement
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