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 18 August 2026 · About Corey →
Interactive calculator
The estimated value of the property securing the loan.
Loan to value ratio
0%
- Estimated equity
- $0
Enter a loan amount and a property value.
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.