Buying guide
LVR explained: what loan to value ratios mean for your mortgage
What exactly does LVR mean and how could it affect your home loan?
AI summary
Understand Loan to Value Ratio (LVR), the measure of your loan against a property's value, regulated by the Reserve Bank of New Zealand to manage lending risk.
Current restrictions generally require a 20% deposit (80% LVR) for owner-occupiers and a 30% deposit (70% LVR) for investors on existing properties.
Key exemptions exist, including for new builds and government schemes like the First Home Loan, which can allow purchases with a smaller 5% deposit.
What does LVR mean?
What are LVR restrictions?
Current LVR restrictions in NZ
Owner occupiers
Investors
You may be able to gte a high LVR loan but chances are you will pay extra for it.
Exemptions to the LVR rules
High LVR borrowing
New builds
First Home Loans
Bridging Loans
Remediation
Refinancing
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High LVR borrowing can be risky.
How could LVR restrictions affect you?
Getting professional advice to work with LVRs
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