04 — LVR & Deposit
LVR and deposit calculator.
Enter a property value and deposit to see your loan-to-value ratio, whether lenders mortgage insurance applies, and how much more deposit you need to cross the 80% threshold.
02 · LVR thresholds
| LVR band | LMI | What it means |
|---|---|---|
| ≤ 60% | No | Premium rates; most competitive lender pricing. |
| 60.01 – 70% | No | Competitive rates across most mainstream lenders. |
| 70.01 – 80% | No | Standard rates; full product choice available. |
| 80.01 – 85% | Yes | LMI applies. Est. premium ~0.60% of loan amount. |
| 85.01 – 90% | Yes | LMI applies. Est. premium ~1.25% of loan amount. |
| 90.01 – 95% | Yes | LMI applies. Est. premium ~2.20% of loan amount. Fewer lender options. |
| > 95% | Yes | Very restricted. Specialist lenders only. First Home Guarantee may allow 95% without LMI for eligible buyers. |
LMI premium estimates are approximate indicative ranges only — actual premiums vary by insurer, lender, and loan purpose. Confirm with your broker before committing to a purchase price.
03 · Assumptions
04 · Disclaimer
The conversation
Start with a written assessment, not a sales pitch.
Fourteen minutes — long enough to understand your situation, short enough to respect your time.