Wombat Home Loans

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LVR

One ratio, and the banks price everything off it.

Your loan to value ratio is the simplest number in lending — loan divided by property value — and one of the most consequential. It decides whether you pay lenders mortgage insurance, and which rate tier you're offered. Small moves across a band boundary can be worth real money.

Remember stamp duty and costs come out of your savings too — see the cost of buying calculator.

Your loan to value ratio 0%

Loan amount $0
Your equity $0
LMI payable? —

The LVR bands, and where you sit

Lenders don't price on a smooth curve — they price in steps. Cross a boundary and the whole loan gets repriced.

≤ 60%The pointy end — lenders compete hardest here
60–70%Very strong — most sharp pricing tiers include you
70–80%The standard sweet spot — no LMI, good rates
80–90%LMI territory — unless your profession earns a waiver
90%+Possible, but pricier — fewer lenders, LMI, rate loadings

Work in banking or financial services? Some lenders waive LMI up to 90% for your profession — here's how that works.

Loan vs your stake

Assumptions behind this calculator
  • LVR = loan ÷ property value. When buying, we assume the loan is price minus deposit — if some of your deposit goes to stamp duty and costs, your real LVR will be a touch higher.
  • When refinancing, the lender's valuation is what counts, and it can come in below (or above) your estimate — this is often the make-or-break of a refinance.
  • Band boundaries and their pricing effects vary by lender; 60/70/80/90 are the common tiers. LMI is typically required above 80% LVR unless waived.
The next step

A calculator gives you a number. I give you a plan.

These tools use one set of assumptions. Lenders use forty different ones — and matching your situation to the right credit policy is usually worth far more than any online estimate. Twenty minutes, no cost, no obligation.

Book a discovery call Or call +61 456 255 409

Things to know: these calculators are a guide only. Results are estimates based on the figures you enter and the assumptions stated on this page — they don't take into account all fees and charges, changes in interest rates, or your full personal circumstances, and they are not a loan offer, pre-approval, or credit advice. Every lender assesses applications differently, and your actual borrowing capacity, repayments and savings may be higher or lower. Before acting, consider whether the results are right for your situation — or better yet, talk it through with a broker. Wombat Home Loans is a Credit Representative of Loans Only Pty Ltd, Australian Credit Licence 561324.