LVR Lending Capacity Calculator

This LVR lending capacity calculator will assist you in finding out what your potential scope for further lending may be. In NZ the loan-to-value ratio restrictions were set by the Reserve Bank to ensure that borrowers were not overstretched in terms of borrowing. The current LVR lending rate for owner-occupier is 80% and 70% for investors purchasing using equity security.

For help getting approved for a home loan we recommend Stewart & Lord – Registered Financial Advisers. To contact Stewart & Lord please click here.

Current RBNZ LVR Lending Ratio (LVR%)

%

Current market interest rate (IR)

%

Payment term for additional lending years (PT)

Property purchase price

$

Deposit amount

$

Total mortgage amount

$

Current property market value (PMV)

$

Current mortgage value (CMV)

$

Calculated equity in property (CE)

$

Equity ratio at time of purchase

%

Equity ratio current market value

%

Lending ratio at time of purchase

%

Lending ratio current market value

%

Total lending capacity (PMV * LVR%)

$

Current mortgage outstanding (CMV)

$

Potential lending capacity

$

Lending ratio capacity

%

Desired additional lending

$

With capacity for $ (%) additional lending the additional costs would be:

Weekly additional payment

$

Fortnightly additional payment

$

Monthly additional payment

$

Yearly additional payment

$

Total additional interest paid over loan term

$

Total payment for additional lending over loan term

$

Choosing to borrow $ additionally, the costs per period would be:

Weekly additional payment

$

Fortnightly additional payment

$

Monthly additional payment

$

Yearly additional payment

$

Total additional interest paid over loan term

$

Total payment for additional lending over loan term

$


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