LVR Calculator
Loan-to-value ratio for a NZ home loan.
NZ$
NZ$
LVR
77.78%
Standard LVR — Low Equity Premium not required.
| Standard LVR (≤80%) | Best rates, no LEP |
|---|---|
| 80–90% | LEP applies |
| >90% | First Home Loan scheme only |
About this calculator
LVR = loan ÷ property value. RBNZ rules limit lending above 80% LVR for owner-occupiers (with a small "speed limit" allowance).
- LVR > 80%: Low Equity Premium / Margin applies.
- LVR > 90%: very limited supply outside First Home Loan scheme.
Frequently asked questions
What's a Low Equity Premium?
A one-off fee or rate margin charged when LVR > 80%. Removed once you pay the loan down past 80%.
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Calculator NZ provides general information only. For decisions with significant financial, medical or legal consequence please consult a qualified professional.