Commercial Property LVR Calculator
Work out the debt-to-value position on a commercial property before discussing a purchase, refinance or property-backed business facility.
- Free to use with no signup
- No impact on your credit score
- Clear estimates you can adjust
Reviewed by Corey Marino Founder & Finance Broker, FBAA member M-354085 · Diploma-qualified finance broker
Last reviewed 24 August 2026 · About Corey
Important information
General estimate only. A lender's valuation, acceptable security type, maximum LVR, serviceability and credit policy determine the position it will assess.
Detailed assumptions and limitations
- LVR equals total entered debt divided by entered property value.
- Estimated equity equals property value less entered secured debt and is not necessarily usable equity.
- The lender may rely on its own valuation and apply a lower maximum LVR for some property types or locations.
- Serviceability, lease income, loan purpose, fees, taxes and purchase costs are excluded.
FAQ
Understand the LVR before the application.
LVR is one part of a commercial assessment, not a stand-alone approval measure.
Loan-to-value ratio is the total debt secured against the property divided by the property value, expressed as a percentage.
No. Lenders also assess serviceability, property type and location, lease terms, business performance, borrower experience and the purpose of the funds.
Start with a realistic current estimate. A lender may order an independent valuation and use that figure for its assessment.
Potentially. Usable equity depends on the lender's maximum LVR, the valuation, existing debt, serviceability and loan purpose.
Genuine settled outcomes
