Work out your loan-to-value ratio, the deposit it implies, and where it sits against the 80%, 90% and 95% lines lenders price and approve against.
What the LVR calculator estimates
Your loan-to-value ratio is the loan amount expressed as a percentage of the property's value — borrow $640,000 against an $800,000 property and your LVR is 80 per cent. It is one of the first numbers a lender reads, because it measures how much of the purchase you are funding with debt versus your own deposit or equity.
Enter the property value (or purchase price) and the loan you need. The calculator returns your LVR, the deposit or equity that figure implies, and how much you would have to reduce the loan to reach 80 per cent.
What drives the number — and why thresholds matter
LVR sits on a few thresholds that change your options. At or under 80 per cent, lenders' mortgage insurance generally does not apply. Above 80, LMI usually does, and policy tightens further as you move through 90 and 95 per cent. One detail trips people up: lenders use the lower of the purchase price and their own valuation, so a conservative valuation can quietly push your LVR up. The thresholds themselves are policy, not law — appetite, pricing and the property types accepted at each band differ from one lender to the next.
Use it as a starting point
A high LVR is not a dead end; it is a question of which lender's policy fits, and how the loan is structured around it. Book a strategy session and we will map your numbers to the right lender.
General information only — not personal financial product or credit advice. The estimate is indicative and depends on each lender's policy, current rates and your full circumstances. AeFin is an Australian Credit Representative (CR 464548) of Finsure (ACL 384704).