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LVR Calculator

Work out your loan-to-value ratio and see how much you can borrow.

Updated May 2026  ·  Data: MBIE, LINZ, RBNZ

Quick Answer

LVR (loan-to-value ratio) is your loan amount expressed as a percentage of the property value. Under RBNZ rules, owner-occupiers can borrow up to 80% LVR (20% deposit minimum), residential investors up to 65% LVR (35% deposit minimum), and new builds are exempt from LVR restrictions. Enter your property value and deposit below to calculate your LVR and check it against current RBNZ limits.

Quick presets
Property Value
$
Deposit Amount
$
Loan Amount (auto)
$
You are borrowing $600,000 against a $750,000 property. Your deposit (equity) is $150,000.
Property Value
$
Target LVR
%
Deposit Required (auto)
$
To achieve 80% LVR on a $750,000 property, you need a deposit of $150,000.
Your Results
80.0%
LVR
Standard owner-occupied lending
Loan amount
$600,000
Deposit (equity)
$150,000
LVR range guide
80%
0%65%80%100%
≤ 65%
Investor friendly & strong equity
65–80%
Standard lending range
> 80%
High-LVR – limited options
What this means
At 80% LVR, this is generally within the standard owner-occupied lending range. Investment properties typically require a lower LVR of 65% or less.
NZ lending context
Based on NZ bank standards
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Indicative only
Always confirm with a lender

What is LVR?

Loan-to-Value Ratio (LVR) is the percentage of a property's value that is financed by a loan. A lower LVR means more equity and lower lending risk, which typically results in better interest rates.

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NZ LVR limits

The Reserve Bank sets LVR restrictions. Owner-occupiers can typically borrow up to 80% LVR (20% deposit). Investment properties require at least 35% deposit (65% LVR) under current RBNZ rules.

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High-LVR lending

Borrowing above 80% LVR is possible but limited. The Kāinga Ora First Home Loan allows eligible buyers to borrow with just 5% deposit. Always confirm with a lender before applying.

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