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.

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

$


If you've found a bug, or would like to contact us please click here.

Calculate.co.nz is partnered with Interest.co.nz for New Zealand's highest quality calculators and financial analysis.

Copyright © 2019 calculate.co.nz All Rights Reserved. No part of this website, source code, or any of the tools shall be copied, taken or used without the permission of the owner. All calculators and tools on this website are made for educational and indicative use only. Calculate.co.nz is part of the realtor.co.nz, GST Calculator, PAYE Calculator,and Salary.co.nz group.