NZ LVR Calculator
LVR restrictions apply to new residential mortgage lending and include exemptions. Banks may use stricter lending criteria than the RBNZ high-LVR thresholds.
Contexto de la Regla Regional
New Zealand Tasas y Reglas
Current RBNZ LVR settings classify owner-occupier loans above 80% LVR and investor loans above 70% LVR as high-LVR lending. LVR restrictions are speed limits for banks, not automatic approval or decline rules for individual borrowers.
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Aviso: Aviso: Esta calculadora usa reglas publicas vigentes desde la fecha indicada. Los resultados son solo informativos. Verifique con fuentes oficiales. Ultima revision: 18 abr 2026.
Formula
Loan-to-value ratio compares the mortgage or loan amount secured against a property with the property value. A lower LVR means more equity or deposit.
Preguntas Frecuentes
What LVR is high for an owner-occupier?
RBNZ currently classifies owner-occupier lending above 80% LVR as high-LVR lending.
What LVR is high for investors?
RBNZ currently classifies investor lending above 70% LVR as high-LVR lending.
Does this cover exemptions?
No. It shows the standard threshold comparison. Some lending, such as certain refinances, bridging finance, construction loans, and Kāinga Ora loans, may be exempt.
Can a bank lend above the threshold?
Possibly. The rules are speed limits on banks total new lending, and each bank applies its own credit policies.
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Puedo ayudarte a entender la formula de nz lvr calculator, interpretar tus resultados y responder preguntas de seguimiento.
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