What is the Loan to Value Ratio Calculator NZ 2026?

Calculate your loan to value ratio (LVR) for any NZ property purchase. Enter the purchase price and deposit to see LVR percentage and mortgage amount. Essential for first home buyers.

Is the Loan to Value Ratio Calculator NZ 2026 free to use?

Yes. The Loan to Value Ratio Calculator NZ 2026 is free to use on Calculate.co.nz, with no sign-up, paywall or account required.

Is the Loan to Value Ratio Calculator NZ 2026 made for New Zealand?

Yes. It is built for New Zealand and uses current New Zealand rules and rates where they apply. Results are indicative estimates and not financial advice.

Loan to Value Calculator

This Loan to Value ratio calculator (LVR) will assist you in working out what the lending portion of your loan will be in relation to your deposit or down payment. Certain banking and lending institutions have restrictions on the amount that they can lend based on deposit or down payment amounts. An example of this in New Zealand is the restrictions around purchasers having a 20% deposit when buying a property.

Calculate.co.nz is proud to be partnered with realtor.co.nz, a trusted resource for navigating the New Zealand property market. Their Helpful Articles section offers clear, well-structured insights across buying, selling, and building, making complex real estate topics more accessible. With a focus on up-to-date guidance and practical knowledge, they empower Kiwis to move forward with clarity and confidence in a constantly evolving property landscape.

Updated April 2026 Current rates and legislation applied.

Enter your information into the calculator below, and push Calculate.

Property Purchase Price

Deposit Amount

Total Mortgage Amount

Loan to Value Ratio (LTV Ratio)

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Reviewed and maintained. Last reviewed 2026-06-05 and checked on a twice-monthly cycle against IRD, RBNZ and Stats NZ. How we keep data current.