Buying
Loan to value ratio
LVR is the number a lender looks at first. It sets whether mortgage insurance applies, frequently what rate is offered, and sometimes whether the loan is considered at all.
Your numbers
750,000
150,000
Result
Loan to value ratio
80.0%
- Loan amount
- $600,000
- Deposit as a share of value
- 20.0%
- Deposit needed for 80%
- $150,000
- Difference
- $0
At or under 80% — no mortgage insurance with most lenders.
What this does not tell you · It excludes costs that cannot be capitalised into the loan, and any mortgage insurance premium added to the balance, which pushes the real LVR higher.
Put this on your own site
This calculator ships as part of a Finance OS build, on your brand and your booking link, so an enquiry that starts with a number ends in your calendar rather than on a bank’s website.