Deposit and LVR
Check your loan-to-value ratio against the deposit lenders usually want. No upper limits.
Example figures are filled in. Replace them with your own.
Loan-to-value ratio
83.3%
Below the usual 20% deposit- Loan amount
- $750,000
- Your deposit
- 16.7% · $150,000
- Usual minimum deposit
- 20% · $180,000
- Extra deposit to reach it
- $30,000
Lenders can still lend with less, within the Reserve Bank's limits, usually with a higher rate or a low-equity margin. Eligible first-home buyers may qualify for the First Home Loan with 5%.
Everyone's situation is different. These figures are a starting point. An adviser can run a personalised calculation with your real numbers and current lender policies.
Results are estimates for planning, using standard loan maths, and should be used as a guide only. They assume rates stay the same and leave out fees you haven't entered. They are not an offer or approval of finance, and not financial advice.
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Everyone's situation is unique. An adviser can run a personalised calculation with your real figures.