LVR calculator

Enter the property's value and the loan. You'll see the loan-to-value ratio, the deposit it implies, and the largest loan at each line lenders care about, with how far yours would have to fall to reach it.

Loan-to-value ratio—Ask us which lenders suit this LVR →

The lines that matter

LVR	Largest loan	To get there

What the calculator follows

LVR is the loan divided by the value. Moneysmart’s rule of thumb is the one that matters most: if your LVR is above 80%, you may need to pay lenders mortgage insurance. The table shows the largest loan at 60%, 70%, 80%, 90% and 95%, and how much the loan would have to fall, or the deposit rise, to reach each one. It’s a common position: APRA’s figures show 29.7% of new loans in the June 2026 quarter had an LVR of 80% or more.

What it leaves out. The value is yours, and the lender uses its own valuation. Lenders set their own maximum LVRs, often lower for investment loans, interest-only loans and expensive properties. The LMI calculator estimates the insurance above 80%, and the usable equity calculator works the same arithmetic the other way, for borrowing against a home you own. This page is general information, not advice.

Just over 80%? We'll show you the cheapest way to close the gap, or whether to pay the LMI.

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LVR questions

What is LVR?

Your loan divided by the property's value, as a percentage. A $450,000 loan on a $600,000 home is 75%, the example Moneysmart uses. Lenders use it to decide whether you pay lenders mortgage insurance, which rate tier you get and how much they'll lend at all.

Why does 80% matter?

Above an 80% LVR you may need to pay lenders mortgage insurance, which protects the lender, not you. Getting to 80% or under usually removes it, and some lenders price their loans better below 80%, 70% or 60%.

Whose value does the lender use?

Its own valuation, which can come in under the price you pay. If it does, the LVR rises even though nothing about you has changed. On an expensive property it's worth knowing that some lenders cap the LVR lower once the value passes a threshold.

How common are loans above 80%?

Common enough. APRA's figures show 29.7% of new loans funded in the June 2026 quarter had an LVR of 80% or more, down from 30.4% a year earlier.

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