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LVR calculation: 900,000 / 1,000,000 = 90% LVR This would be considered high risk LVR by the lender, so they would require Lenders Mortgage Insurance for your loan. Please be aware that for a construction loan the lender will consider the property value to be the lower of the total cost of the project (land value plus cost of construction) or the tenative on completion valuation. I forgot my password Log in LVR stands for loan-to-value (or sometimes loan-to-valuation) ratio. It’s a percentage figure that compares how much a lender is willing to loan you against the total value of the asset you plan to buy. It often tends to pop up in the context of home loans, where the asset in question is property.

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