LVR Calculator
Calculate your loan-to-value ratio for a mortgage from loan amount and property value to check LVR limits, free in your browser.
Enter Values
Before you rely on this: First-pass guide only. Verify safety-critical or regulated work against the relevant standards, your project requirements and a qualified professional.
How to use this calculator
- Enter the property value and deposit.
- Press Calculate.
How it works
Loan-to-value ratio = loan ÷ property value × 100. Lenders often want it under 80% to avoid mortgage insurance.
Worked example
$500k property, $100k deposit. $400k loan = 80% LVR.
Common mistakes
- Using the purchase price instead of the bank's valuation, which can differ.
- Forgetting that an LVR above 80% usually means lenders mortgage insurance (LMI).
Frequently asked questions
What is a good LVR?
Lenders usually prefer 80% or below; above 80% often triggers lenders mortgage insurance (LMI).
How do I lower my LVR?
Increase your deposit or choose a cheaper property — both reduce the loan relative to the value.
Why does 80% LVR matter?
Above 80%, lenders usually require Lenders Mortgage Insurance (LMI), which adds cost. Staying at or under 80% generally avoids it.
Related tools
- Mortgage Repayment Calculator
- Loan Repayment Calculator
- Down Payment Calculator
- Price Per Square Metre Calculator
- Customer Lifetime Value Calculator
- Savings Goal Calculator
Explore more in Finance, Business, Property & Pricing.
Cite this tool
Zerdly. (2026). LVR Calculator. Retrieved from https://www.zerdly.com/tools/lvr-calculator/
Tip: Enter any known values to calculate the remaining results.
All calculations run in your browser. Your inputs are never saved or transmitted.