Calculate your Loan-to-Value Ratio.
Enter your property value and loan amount to quickly calculate your LVR and understand your estimated equity position.
Enter your property details
Your calculation is performed in your browser. No personal information is required.
Estimated LVR
Your loan represents approximately 80% of the property's value.
What is an LVR?
Loan-to-Value Ratio (LVR) compares the amount you borrow with the value of the property. It is expressed as a percentage.
For example, if a property is worth $800,000 and the loan amount is $640,000, the LVR is 80%.
See how the numbers fit together.
LVR is simply the relationship between the property value and the amount borrowed.
Why your LVR matters.
A lower LVR generally means you are borrowing a smaller proportion of the property's value. Lending policies and costs can vary between lenders and circumstances.
Lower LVR
A relatively low proportion of the property value is being borrowed.
Moderate LVR
The loan represents around seven-tenths of the property's value.
Common benchmark
An important LVR level to understand when comparing lending scenarios.
Higher LVR
A larger proportion of the property value is being financed by borrowing.
An $800,000 property with a $640,000 loan.
Divide the loan amount by the property value and multiply by 100.
Common questions about LVR.
What is the LVR formula? +
LVR is calculated by dividing the loan amount by the property value and multiplying the result by 100.
What information do I need to calculate LVR? +
You generally need the property's value and the amount being borrowed. Enter both figures into the calculator above to calculate the estimated LVR.
Is a lower LVR better? +
A lower LVR generally means a smaller proportion of the property value is financed through borrowing. However, whether a particular LVR is suitable depends on the lender, loan, property and borrower's circumstances.
Does LVR affect Lenders Mortgage Insurance? +
LVR can be one factor considered when determining whether Lenders Mortgage Insurance (LMI) may apply. The rules and thresholds vary depending on the lender, insurer and individual circumstances.
This calculator provides an estimate based on the figures entered. It is intended for general information only and does not constitute personalised financial, credit, mortgage, legal or tax advice. Actual lending outcomes, property valuations, LVR requirements and costs may differ.
