Mortgages
LVR Calculator
Calculate your loan-to-value ratio, current home equity and deposit percentage to see exactly where you sit against common Australian lender LVR bands.
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Your results
Loan-to-value ratio (LVR)80%
Current equity$160,000.00
Equity percentage20%
Deposit amount$160,000.00
LVR bandStandard (80% or under) — lenders mortgage insurance is often avoided
Calculation breakdown
- LVR
- $640,000.00 ÷ $800,000.00 × 100 = 80%
- Equity
- $800,000.00 − $640,000.00 = $160,000.00
Assumptions
- This calculator does not guarantee loan approval or your eligibility for lenders mortgage insurance (LMI) waivers.
- Actual LVR bands, LMI thresholds and lending policy vary between lenders.
- Property value is assumed to be an accurate current market valuation, not just a purchase price.
- Additional debts secured against the property are not included in this calculation.
How this calculator works
LVR is your loan amount divided by the property value. Lenders use it to price risk, and staying at or under 80% is the usual way to avoid lenders mortgage insurance.
Frequently asked questions
Why does 80% matter?
Above 80% LVR most lenders require lenders mortgage insurance, which can add thousands to your costs.
Which property value do lenders use?
The lender's own valuation, which can be lower than the price you paid or your own estimate.
Does this guarantee approval?
No. LVR is one factor alongside income, expenses, credit history and serviceability.
Results are estimates only and are not financial, tax, legal or credit advice.
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