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.
Enter your information into the calculator below, and push Calculate.
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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