Loan to Value Ratio Calculator
Calculate your loan to value ratio, the equity in the property and the paydown needed to reach an 80% LVR. Enter loan amount and property value to…
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Calculate your loan to value ratio, the equity in the property and the paydown needed to reach an 80% LVR. Enter loan amount and property value to see lvr, equity and paydown to reach 80% lvr when you calculate.
General information only, not financial advice. Results are estimates; fees, tax and future rate changes may affect outcomes.
Worked example
Example calculated from the starting values. Enter your own values and press Calculate to get your result.
With the default inputs (loan amount = 540,000, property value = 700,000), the results are: LVR 77.1 %; equity 160,000; paydown to reach 80% LVR 0.
Quick reference: loan amount vs result
Reference table based on the example values; it is not your calculation result.
| Loan amount | LVR | Equity | Paydown to reach 80% LVR |
|---|---|---|---|
| 270,000 | 38.6 % | 430,000 | 0 |
| 540,000 | 77.1 % | 160,000 | 0 |
| 1,080,000 | 154.3 % | -380,000 | 520,000 |
| 2,700,000 | 385.7 % | -2,000,000 | 2,140,000 |
| 5,400,000 | 771.4 % | -4,700,000 | 4,840,000 |
| 10,800,000 | 1,542.9 % | -10,100,000 | 10,240,000 |
Frequently asked questions
What formula does this calculator use?
LVR = loan ÷ val × 100; Equity = val-loan; Paydown to reach 80% LVR = max(loan-val × 0.8,0). Variables: loan = loan amount, val = property value.
What do I need to enter?
You need loan amount, property value. Results update as you type.
What is an example result?
With the default inputs (loan amount = 540,000, property value = 700,000), the results are: LVR 77.1 %; equity 160,000; paydown to reach 80% LVR 0.