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Calculators

Links Property Finance · Free calculator from a Sydney mortgage broker: Loan-to-Value Ratio (LVR) Calculator

Enter the property value, or the price, and the loan. The calculator shows your loan-to-value ratio, your deposit or equity, and how far you are from 80%, the line where mortgage insurance usually starts.

Reviewed by Charles Touma Updated 29 October 2026

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How do you calculate your loan-to-value ratio?

LVR is the loan divided by the property’s value, as a percentage. A $680,000 loan on an $800,000 home is an LVR of 85%. Lenders use their own valuation, not just the price.

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At 80% or less most lenders do not charge lenders mortgage insurance; above it they usually do, unless a government scheme, a guarantor or a professional waiver applies.

Part of the first home buyer loans guide.

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What is your loan-to-value ratio?

Your LVR, buying or refinancing

Loan-to-value ratio calculator: buying or refinancing

For a purchase, enter the price and the loan. For a refinance, enter the valuation and what you owe.

$800,000
$680,000
  • Your LVR85.0%
  • Your deposit or equity$120,000
  • To get to 80%, borrow this much less$40,000

Above 80%, lenders mortgage insurance usually applies. The 5% Deposit Scheme, a family guarantee or a professional waiver may remove it.

Indicative only. Lenders measure LVR against their own valuation, and on a purchase usually the lower of the valuation and the price.

Confirm your numbers.

Charles Touma, mortgage broker at Links Property Finance
5.0 from 40 Google reviews

Real outcomes for real borrowers.

★★★★★
Charles from Links Property Finance was really helpful with refinancing our home loan. He saved us so much money, made the whole process so effortless and was always happy to answer our questions. We are so glad we reached out to him when we did. I would definitely recommend him to first home buyers and anyone who just isn’t sure like we were!
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★★★★★
Charles and the team recently assisted us with a refinance of our investment property. Recommend Charles and the team to all
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Charles was a fantastic mortgage broker and made the refinance process simple from start to finish. He explained everything clearly, found us a great home loan option and made refinancing very easy
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Charles Touma, mortgage broker at Links Property FinanceCharles Touma, Mortgage Broker.

What does your loan-to-value ratio mean?

How lenders usually treat each band. Policies differ between lenders.

60% or lessOften the lowest rates: many lenders price in LVR tiers
Over 60% to 80%No lenders mortgage insurance with most lenders
Over 80% to 90%Lenders mortgage insurance usually applies, unless a waiver or scheme applies
Over 90% to 95%Fewer lenders and a larger premium; the 5% Deposit Scheme removes the premium for eligible buyers
Above 95%Rare: a family guarantee, or the Family Home Guarantee (a 2% deposit) for eligible single parents

What loan-to-value ratio does your deposit give you?

On an $800,000 purchase, before buying costs.

5%, $40,000Loan $760,000. LVR 95%.
10%, $80,000Loan $720,000. LVR 90%.
15%, $120,000Loan $680,000. LVR 85%.
20%, $160,000Loan $640,000. LVR 80%.
30%, $240,000Loan $560,000. LVR 70%.

Stamp duty and other costs come on top of the deposit; eligible first home buyers pay no NSW duty up to $800,000.

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How does loan-to-value ratio work when you refinance?

When you refinance, the LVR is what you owe divided by the new lender’s valuation. See the equity calculator and cash-out refinancing.

Under 80% you can usually release equity without mortgage insurance: on a home valued at $1,000,000 with $600,000 owing, the LVR is 60% and up to $200,000 could be released before reaching 80%, if your income supports the larger loan.

What changes your loan-to-value ratio?

Four things move the number.

  • The valuationLenders use their own valuer, and a lower figure raises your LVR.
  • Mortgage insurance added to the loanAdding the premium to the loan raises the LVR a little.
  • The property typeSome lenders set lower limits for small units, rural or specialist properties.
  • Repayments and valuesPaying down the loan, or a rise in the property’s value, lowers your LVR over time.

Common questions about the loan-to-value ratio (LVR) calculator

How do I calculate my loan-to-value ratio?

Divide the loan by the property value and multiply by 100. A $680,000 loan on an $800,000 property is 85%.

Is a 35% or 40% loan-to-value ratio good?

Yes. You owe well under half the value, so there is no mortgage insurance and you may qualify for a lender’s lowest rate tier.

What does a 90% loan-to-value ratio mean?

You borrow 90% of the value and contribute 10%. Most lenders charge mortgage insurance at 90%, unless you qualify for a waiver or the 5% Deposit Scheme.

Does loan-to-value ratio use the price or the valuation?

On a purchase, most lenders use the lower of the two. On a refinance, they use the valuation.

Can I borrow more than 80% without mortgage insurance?

Yes, through the 5% Deposit Scheme if you are eligible, a family guarantee, or a professional waiver for listed occupations.

Work out the premium with the LMI calculator, or read what LVR means and how lenders use it.

Check the estimate with a broker

Charles can check whether a scheme, a family guarantee or a professional waiver removes the mortgage insurance, and how each lender is likely to value the property.

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Charles Touma, mortgage broker at Links Property FinanceCharles calls back within one business day. No documents needed yet.

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Charles Touma, mortgage broker at Links Property Finance
Reviewed by Charles Touma Director & Mortgage Broker · MFAA member · Credit Representative 579003 under ACL 389328 About Charles · What is LMI? · MFAA register · ASIC register · Complaints processEvery page is reviewed by Charles before it is published and checked against current lender policy and the official scheme pages linked where figures appear.

General information only, not credit advice. Lenders measure LVR against their own valuation and set their own limits.