Free Tool
LVR Calculator
Your loan-to-value ratio — the loan as a percentage of the property's value — drives your interest rate tier and whether lenders mortgage insurance applies. Know your number before you negotiate anything.
$750,000
$100k$3M
$560,000
$50k$3M
Your LVR
74.7%
LMI likely?No (80% or below)
Deposit / equity$190,000
Loan at exactly 80%$600,000
At or below 80% LVR you generally avoid LMI and access better rate tiers.
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