Formula and assumptions
Loan = property price − deposit. Deposit percentage = deposit ÷ property price × 100. LVR = loan ÷ property price × 100. Both entered values are treated as exact planning inputs.
First-home deposit planning
Calculate a deposit and LVR scenario
Enter a proposed property price and cash deposit. The tool calculates the remaining loan and simple LVR without inferring lender policy.
Deposit and LVR scenario
Compare your entered deposit with an entered property price.
This is arithmetic only. It does not determine product access, pricing, low-equity costs, valuation treatment or a credit decision. Confirm those with the relevant provider.
Save this scenario with FHBGWorked example
A $750,000 property with a $150,000 deposit gives a $600,000 loan, a 20% deposit and an 80% LVR.
Questions
What does LVR mean?
LVR is the proposed loan divided by the property value, shown as a percentage.
Does this determine lending terms?
No. It only calculates the relationship between the numbers entered. Provider criteria, valuation and pricing are separate.