What LVR means, how it is calculated, and how much you can borrow against property across Australia.
Loan-to-value ratio (LVR) is the size of a loan expressed as a percentage of the property’s value. It is the single most important number in a property-backed deal: it tells the lender how much equity sits beneath the loan, and it largely determines what is possible and at what price.
We assess property-backed funding the way property lenders do, around the asset and the exit. Income and credit history may be considered, but for the borrowers we serve they are not the only thing that decides the outcome.
The type, quality and location of the asset behind the loan.
How much equity sits beneath the loan, expressed as a percentage of value.
How the loan will be repaid or refinanced at the end of its term.
The strength of the security and the borrower’s track record.
The true LVR on a deal should account for more than the headline loan amount. It reflects the net funds advanced plus any capitalised interest, establishment fees and legal or disbursement costs across the full term.
Move the sliders to estimate an indicative loan amount: set the property value, apply an LVR, and the result updates live.
All rates, LVRs, loan amounts and timeframes shown are indicative only, subject to lender assessment and individual circumstances, and do not constitute an offer of finance.
Once you know the LVR, the right structure follows. Explore the funding solutions we arrange.
Tell us about your scenario and we'll tell you what's possible, usually with indicative terms within 24 hours. Prefer to talk? Call us directly.
A specialist will contact you as soon as possible. Prefer to talk now? Call 1300 986 166.