Deposit and LVR Calculator
Estimate your loan amount, deposit percentage and loan-to-value ratio for a property purchase.
An estimate is the beginning.
Change the inputs, compare the result and download a branded report—then verify important decisions against actual lender policy and your complete circumstances.
Deposit and LVR calculator
Estimate the loan amount and loan-to-value ratio before purchase costs.
Download this calculation as a PDF.
The report includes the figures currently shown, Rockvale Finance contact details, the calculation assumptions and an important disclaimer.
Results are estimates only and do not constitute credit, financial, tax or legal advice. They exclude some fees and may use simplified assumptions. Actual repayments, borrowing capacity, tax, costs and eligibility depend on lender or government rules and your complete circumstances.
Turn the estimate into a better question.
Loan-to-value ratio compares the proposed loan with the lender’s accepted property value. It can influence eligibility, pricing and lenders mortgage insurance.
- 01Enter the proposed property price
- 02Enter the deposit available for the price
- 03Review the estimated loan amount
- 04Check the indicative LVR before buying costs
Important considerations.
- Transfer duty and purchase costs reduce usable funds
- A lender valuation can be lower than the contract price
- Higher LVR lending may involve additional policy or insurance
- Government programs have separate eligibility requirements
What is an 80% LVR?+
An 80% LVR generally means the loan is 80% of the lender-accepted property value and the borrower contribution covers the remaining 20%, before costs.
Does a 20% deposit always avoid LMI?+
Not necessarily. Property, profession, policy, valuation and loan structure can affect lenders mortgage insurance or risk-fee requirements.