NZ LVR Calculator
Calculate your New Zealand loan-to-value ratio and compare it with current owner-occupier or investor high-LVR thresholds.
Contexte de la Regle Regionale
New Zealand Taux et Regles
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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Resultat
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Avis : Avis : Ce calculateur utilise les regles publiques en vigueur a la date indiquee. Les resultats sont a titre informatif uniquement. Verifiez aupres des sources officielles. Derniere verification: 18 avr. 2026.
Formule
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.
Questions Frequentes
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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