Loan-to-Value Ratio Calculator

Loan-to-Value Ratio is the percentage of a property’s value that is financed through a loan. It’s calculated by dividing the loan amount by the property’s value, then multiplying by 100.

Lenders use LVR to assess the risk of your loan. A higher LVR usually means higher interest rates, stricter lending criteria, or an inability to get additional lending. On the other hand, a lower LVR means you will likely have favourable lending conditions.

In New Zealand, an LVR of 80% or lower is generally considered strong. For investors, banks may require an LVR of 60–65% depending on the lending rules at the time.

No - it’s an estimate based on the numbers you enter. Your actual LVR and lending options depend on your lender’s policies and the property’s appraised value. For personalised advice, speak to a Thrive advisor.

Here are some tools to help your property investment journey:

- Gross Yield - How Much Can You Invest

- Investment Returns - Loan-to-Value Ratio - Useable Equity

- Mortgage Repayments