LVR Calculator
Work out your Loan-to-Value Ratio and whether you will need Lenders Mortgage Insurance based on your deposit or loan amount.
Your Loan-to-Value Ratio
80.00%
Good position - no Lenders Mortgage Insurance (LMI) required
Loan Amount
$600,000.00
Deposit
$150,000.00
60% or less
Strong equity position - access to the best interest rates
61% - 80%
Good position - no Lenders Mortgage Insurance (LMI) required
81% - 90%
LMI applies - an additional cost added to your loan or paid upfront
Over 90%
High LVR - limited lenders available, higher rates likely
LVR Scale
This calculator provides estimates only. LVR thresholds and LMI requirements vary between lenders. Some lenders may offer LMI waivers for certain professions or with a family guarantee. Book a call for personalised guidance on your deposit and LVR options.