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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