When you’re buying a home or investment property, one of the first things lenders look at is your Loan-to-Value Ratio (LVR). It’s a key figure that shows how much of the property’s value you’re borrowing, and it can affect your loan approval, interest rate, and whether you’ll need to pay Lenders Mortgage Insurance (LMI).

Our LVR Calculator makes it easy to see where you stand. Simply enter the property value and your loan amount, and it will instantly calculate your LVR as a percentage. Remember that the LVR calculator should only be used as a guide. For a full assessment of your personal situation including borrowing capacity and purchasing power, contact our experienced mortgage brokers, free of charge.

Why your LVR matters

Your LVR plays a big role in how banks assess risk.

• Lower LVR (under 80%) – You’re borrowing less of the property’s value, which usually means better rates and no LMI.
• Higher LVR (over 80%) – You’re borrowing more, which can mean higher interest rates and LMI, unless you are a first home buyer or work in an eligible profession.

Understanding your LVR helps you plan ahead. Whether you’re deciding how much deposit to save, how much equity you have for refinancing, or what loan options you might qualify for.

Need help lowering your LVR or finding the right lender?

If your LVR is above 80% or you’re not sure how it affects your home loan options, our team at Eden Emerald Mortgages can help. We’ll review your figures, explore low-deposit loan options, and check if you qualify for an LMI waiver or first home buyer scheme.