LVR calculator
Work out your loan-to-value ratio against a commercial or investment security in Australia - including combined LVR where there is an existing first mortgage, a second mortgage or a refinance - and see how it compares to Alphacon’s lending thresholds.
LVR calculator
Loan-to-value ratio calculator, in seconds
Enter a security value and a loan amount to see your LVR.
What LVR means for a commercial deal
Loan-to-value ratio compares the loan amount to the value of the property securing it. It is the number a private lender leans on hardest, because a facility secured by property is assessed on the security first: the lower the LVR, the more equity sits between the loan and the lender if the property ever has to be sold, and the more of it is releasable.
Where a loan is secured against more than one property, use the combined value of every property offered as security against the total loan amount. And where there is an existing first mortgage, it is the combined position that decides the deal - whether that is a second mortgage or a refinance of both - not the new money on its own.
A bank’s home-loan calculator will not answer either of those, because it is built for a single mortgage against a dwelling. This one applies a private lender’s commercial thresholds and works the combined position out for you.
Frequently asked questions
What is LVR?
Loan-to-value ratio is the loan amount expressed as a percentage of the security property's value. A $600,000 loan against a $1,000,000 property is a 60% LVR ratio.
How is LVR calculated?
LVR = loan amount ÷ security value × 100. So if you are asking what is my LVR, divide the loan by the property value and multiply by 100 - that is how to work out LVR on a single security. Where a loan is secured against more than one property, use the combined value of every property offered.
How do I calculate LVR with a second mortgage?
Add the balance of the existing loan to the new second mortgage amount, then divide that combined debt by the property's value. A $400,000 second behind a $600,000 first on a $1.5M property is a 67% combined LVR. This calculator does it for you when you switch on the existing first mortgage. What credit looks at in that position is set out on the second mortgage page.
Can I use this LVR calculator for a refinance?
Yes. Enter the payout figure of the facility being refinanced as the loan amount, and the calculator returns the LVR the new facility is assessed on. Where a second is going behind a first that is staying put, enter that first as the existing loan instead - as a refinance LVR calculator it is the combined number that decides it. The refinance and debt rescue page sets out the rest.
What LVR does Alphacon lend to?
Up to 75% on a first mortgage, up to 70% combined where a second mortgage sits behind an existing first, and 70% on Alphacon Reach. Each product's published maximum is on the products page. Deals outside that range are still worth sending through - the actual maximum depends on the security type, location and the deal itself.
Does a higher LVR cost more?
Generally yes. A higher LVR means less equity buffer if the loan needs to be recovered, so pricing typically reflects that added risk. The product guide carries the full fee and rate schedule.
General information only
This calculator applies our published maximum LVR on each product to the figures you enter. It is a general guide, not a credit decision, and it does not take your circumstances into account. Every facility is subject to credit assessment, valuation and satisfactory security. Alphacon Capital writes business-purpose and investment loans to companies and trusts only.