LVR

Navigate your home financing journey confidently with our LVR (Loan-to-Value Ratio) guide

Understanding LVR: A Strategic Approach to Home Finance

This comprehensive guide to LVR (Loan to value Ratio) empowers you to make informed decisions that pave the way for a secure financial future..

What is LVR?

The Loan-to-Value Ratio (LVR) is the ratio of your loan amount to the property's appraised value. It significantly influences your borrowing capacity and the terms offered by lenders.

LVR is a key metric used by lenders to determine the financing needed for a property. It is expressed as a percentage of the loan amount relative to the property's value.

Calculating LVR

To calculate LVR, divide your loan amount by the appraised value of the property and multiply by 100. For example, a $400,000 loan on a $500,000 property results in an LVR of 80%.

Calculate Your LVR

LVR Simple calculation

Impact of LVR on Homeownership:

Interest Rates:

A lower LVR generally leads to reduced interest rates as lenders view such loans as less risky, potentially lowering your costs..

Borrowing Power:

A lower LVR can expand your property options and improve your chances of securing your ideal home..

Lender's Mortgage Insurance (LMI):

An LVR above 80% may require you to pay LMI, which protects the lender in case of loan default.

Lady looking at computer optimising her LVR Strategy

Strategies Optimising LVR

Increase Your Deposit

A higher deposit reduces LVR and may result in better loan options..

Obtain a Property Valuation

An updated property valuation may lower your LVR and may offer additional financial flexibility.

Make Extra Repayments

Additional payments on your existing loan may fast track your LVR reduction.

For personalised advice tailored to your specific circumstances, consult a financial specialist.

Check our LVR Home Loans

Basic Home Loan

Lowest Rate

LVR 60% or less (Owner Occupier, Principal & Interest)
5.99%p.a³
LVR 60% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.00%p.a²

Very competitive interest rate
Extra repayments and redraw
No monthly service fees
Dedicated Relationship Manager

Mortgage Offset

Reduce interests with savings

LVR 60% or less (Owner Occupier, Principal & Interest)
6.20%p.a¹
LVR 60% or less (Owner Occupier, Principal & Interest) - Comparison Rate
6.21%p.a²

Up to 8 100% offset accounts
Construction and split loan options
No monthly service fees
Dedicated Relationship Manager

Fixed Home Loan

Lock in rate

3 Year Fixed LVR Below 60%
(Owner Occupier, Principal & Interest)
5.53%p.a¹
3 Year Fixed LVR Below 60%
(Owner Occupier, Principal & Interest) - Comparison Rate
5.87%p.a²

Competitive fixed interest rates
No monthly service fees
Split your loan to hedge against interest rate uncertainty
Dedicated Relationship Manager

Have a question or want to get started?

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Get started now by applying online to refinance your home loan. It's convenient, secure and available 24/7.

Need help choosing a loan?

Get in touch with a Home Loan Specialist for advice when refinancing. We're here to help from application to settlement.

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