LVR Calculators for Smarter Property Decisions
Explore free LVR calculators designed for home buyers, homeowners and property investors. Calculate your Loan-to-Value Ratio, explore deposit and equity scenarios, understand LMI considerations and estimate your LVR when refinancing.
Choose the Right LVR Calculator
Each calculator is designed around a different property finance question. Choose the tool that matches what you want to calculate or understand.
LVR Calculator
Calculate your estimated Loan-to-Value Ratio using your property value and loan amount. Quickly see your LVR percentage and understand what the result represents.
- Calculate your estimated LVR
- Enter property value and loan amount
- Understand your LVR percentage
LVR & Deposit Calculator
Explore how your deposit relates to a target LVR. Estimate the maximum loan amount and understand the relationship between your deposit, borrowing and property value.
- Explore target LVR scenarios
- Estimate maximum loan amounts
- Understand the deposit and LVR relationship
LVR & Equity Calculator
Estimate your property equity and understand how your outstanding loan balance and property value affect your estimated LVR.
- Estimate property equity
- Calculate your estimated LVR
- Explore changing property values
LVR & LMI Calculator
Explore the relationship between your LVR and potential Lenders Mortgage Insurance considerations. Results are estimates and can vary depending on your lender and circumstances.
- Explore higher-LVR scenarios
- Understand LMI considerations
- Compare different LVR positions
Refinance LVR Calculator
Estimate your current LVR when considering refinancing using your property's estimated value and outstanding loan balance.
- Estimate your refinance LVR
- Explore loan balance scenarios
- Understand your current property position
Understand Your LVR, Not Just the Number
An LVR calculator gives you a percentage, but the percentage becomes more useful when you understand what it represents.
Your Loan-to-Value Ratio compares the amount borrowed with the value of the property. Changes to your loan balance or property value can therefore change your estimated LVR over time.
Learn More About LVR
Calculators are a starting point. Explore our practical guides to understand LVR, deposits, equity, LMI and refinancing in more detail.
What Is LVR?
Learn what Loan-to-Value Ratio means, how it works and why it can be relevant when considering property finance.
Read the LVR guide →How Is LVR Calculated?
Understand the LVR formula with simple examples showing how property value and loan amount affect the result.
See the calculation →What Is a Good LVR?
Explore different LVR levels and understand why the appropriate LVR depends on your circumstances and lending situation.
Explore LVR levels →LVR vs LMI
Understand the difference between Loan-to-Value Ratio and Lenders Mortgage Insurance.
Compare LVR & LMI →How to Lower Your LVR
Learn how changes to your loan balance, property value and equity can affect your estimated LVR.
Read the guide →Australian Home Loan Terms
Understand common Australian home loan terms including LVR, deposits, equity, LMI, refinancing and more.
Explore home loan terms →Ready to Calculate Your LVR?
Start with your property value and loan amount, then explore our other calculators and guides to understand your broader property finance position.
