Understand LVR with Simple Guides
Explore practical guides covering Loan-to-Value Ratio, calculations, deposits, equity, mortgage insurance, refinancing, property value, loan balances and the key concepts behind property finance.
LVR Foundations
Start with the essential concepts, formulas and reverse calculations.
What Is LVR?
Learn what Loan-to-Value Ratio means and why it matters when borrowing against property.
How Is LVR Calculated?
Understand the LVR formula with straightforward loan and property-value examples.
LVR Formula
See the core formula and relationship between loan amount and property value.
Calculate LVR From Loan Amount
Learn how to calculate LVR from the loan amount and property value.
Maximum Loan From LVR
Understand how a target LVR can estimate a maximum loan amount.
Calculate Property Value From LVR
Work backwards from loan amount and LVR to estimate property value.
Calculate Loan Amount From LVR
Understand how target LVR and property value determine an estimated loan amount.
LVR Calculation Examples
Compare practical LVR examples across different property values and loan amounts.
What Is the Maximum LVR?
Explore maximum-LVR concepts and why limits vary by lender and product.
LVR Levels & Borrowing
Understand LVR levels and their relationship with borrowing, approval and pricing.
What Is a Good LVR?
Explore what different LVR levels can mean and why there is no universal good LVR.
What Is a High LVR?
Understand what a higher LVR means for borrowing and lender risk.
What Is a Low LVR?
Learn what a lower LVR indicates about debt and property value.
How Does LVR Affect Borrowing?
See how LVR can interact with loan size, deposits and lender assessment.
Does LVR Affect Loan Approval?
Understand LVR alongside income, debts, credit and affordability.
Does LVR Affect Interest Rates?
Learn how LVR can influence pricing bands, risk assessment and mortgage costs.
Property Value, Loan Balance & Equity
Connect LVR with property value, mortgage balance and equity.
How Does Property Value Affect LVR?
See how increases or decreases in property value can change LVR.
How Does Loan Balance Affect LVR?
Understand why paying down a loan generally reduces LVR.
What Is Property Equity?
Learn what equity means and how it relates to property value and loan balance.
How Is Property Equity Calculated?
Use the equity formula and examples to understand estimated equity.
LVR vs Equity: What's the Difference?
Compare LVR and equity and understand what each measure tells you.
How LVR and Equity Are Related
Understand the mathematical relationship between equity and LVR.
What Is Usable Equity?
Learn what usable equity means and why an estimate is not guaranteed borrowing capacity.
How to Build Property Equity
Explore common ways equity can grow through repayments and property value changes.
Deposit & LVR
Understand how deposits affect loan size and resulting LVR.
LVR vs Deposit: What's the Difference?
Understand how deposit and LVR describe different sides of borrowing.
How Much Deposit Do I Need?
Explore how deposit size can affect loan amount and LVR.
Deposit vs LVR Explained
See the direct relationship between deposit, loan amount and LVR.
How Does a Larger Deposit Affect LVR?
Learn why increasing your deposit generally reduces the amount borrowed.
Mortgage Insurance & LMI
Understand mortgage insurance and how LVR can relate to insurance costs and requirements.
LVR vs LMI
Understand the difference between LVR and mortgage insurance.
What Is Mortgage Insurance?
Learn the purpose of mortgage insurance and why requirements vary.
How Is LMI Calculated?
Explore factors that can influence mortgage insurance costs.
Does LMI Increase With LVR?
Understand how LVR and mortgage insurance can be connected.
Can You Avoid Mortgage Insurance?
Explore circumstances that may affect whether mortgage insurance applies.
Can LMI Be Added to the Loan?
Learn how mortgage insurance may be financed in some arrangements.
Refinancing & LVR
Understand current LVR, refinance LVR and changes before and after refinancing.
What Is Refinance LVR?
Understand LVR in the context of replacing or restructuring an existing loan.
How Does LVR Affect Refinancing?
Explore how LVR can influence refinance assessment and options.
How to Calculate LVR When Refinancing
Calculate refinance LVR using property value and proposed loan amount.
Can Refinancing Lower Your LVR?
Understand when refinancing may result in a lower LVR.
LVR Before and After Refinancing
Compare LVR before and after a refinance.
When Your LVR Changes
Explore common situations that can move LVR up or down.
What Happens When Your LVR Changes?
Understand what can cause LVR to move and why it can matter.
What Happens to LVR When You Pay Down Your Loan?
See why reducing the loan balance generally reduces LVR.
What Happens to LVR When Property Value Increases?
Understand why the same loan can represent a smaller percentage when value rises.
What Happens to LVR When Property Value Falls?
See how falling property value can increase LVR.
Can LVR Go Above 100%?
Understand what an LVR above 100% means.
What Is Negative Equity?
Learn what happens when property value falls below the loan balance.
Want to Calculate Your LVR?
Enter your property value and loan amount to calculate your estimated Loan-to-Value Ratio, then explore the guides to understand the result.
LVR Percentage Guides
Explore individual LVR levels and understand what each percentage represents.
LVR Terms & Definitions
Quickly look up common property-finance terminology in the LVR glossary.
Understand Your LVR. Calculate With Confidence.
Use the LVRcalc calculators to calculate your position, then explore the guides for a clearer understanding of LVR, deposits, equity, mortgage insurance and refinancing.
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