LVR Calculator
Calculate your Loan to Value Ratio (LVR). Understand deposit requirements and Lender's Mortgage Insurance (LMI) thresholds.
Your LVR Analysis
Loan Amount
$600,000
LVR
80%
Deposit %
20%
LMI Required?
No
60% 70% 80% 90% 95%
Lower Risk Higher Risk
Property Value Breakdown
LVR Thresholds Explained
| LVR Range | Deposit | LMI | Interest Rate |
|---|---|---|---|
| ≤60% | 40%+ | Not required | Best rates available |
| 60-80% | 20-40% | Not required | Competitive rates |
| 80-90% | 10-20% | Required (~1-2%) | Slightly higher rates |
| 90-95% | 5-10% | Required (~2-4%) | Higher rates |
| >95% | <5% | Not available* | Limited options |
*First Home Guarantee scheme allows 5% deposit without LMI for eligible buyers.
Related Articles
First Home Buyer Guide 2025
Complete guide to buying your first home including deposit strategies.
First Home Buyer Grants 2025
Access grants that allow 5% deposits without LMI.
Mortgage Stress Test Guide
Understand how lenders assess your loan application.
Save Money on Your Home Loan
Lower your LVR faster with extra repayments strategies.