LVR & Equity Calculator
Calculate your loan-to-value ratio and see your usable equity position.
Tool only — not financial, tax, or legal advice. Figures are estimates. Consult qualified professionals before making decisions.
Inputs
Loan to Value Ratio
Current LVR
Email me a PDF report
How this calculator works
Loan-to-value ratio (LVR) is calculated as the loan balance divided by the property value, multiplied by 100. It is one of the headline metrics lenders use when assessing a residential loan application.
Usable equity uses the 80% threshold most Australian lenders apply: 80% of the property value minus the current loan balance. Anything above zero is the equity you may be able to access without triggering Lender Mortgage Insurance (LMI).
The 80% figure is a common lender benchmark, not a regulatory rule. Some lenders allow higher LVRs with LMI; others apply lower thresholds for investment loans.
Frequently asked questions
- What is LVR?
- Loan-to-value ratio is your loan amount divided by the property value, expressed as a percentage.
- When does Lenders Mortgage Insurance apply?
- LMI is typically required when LVR is above 80%. Premiums vary by lender and loan size.
- How is usable equity calculated here?
- Usable equity uses the common formula: 80% of property value minus the current loan balance, clamped at zero.