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 $

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