LVR Calculator
Work out your loan-to-value ratio and see how much you can borrow.
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.
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.
Learn more →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.
Learn more →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.
Learn more →All results are general information only and do not constitute financial advice. Figures are estimates based on the details you enter — always do your own due diligence or speak to a licensed financial adviser before making decisions.