Buying guide

Loan to value ratios | Guide to LVR restrictions in NZ

What exactly does LVR mean and how could it affect your home loan?

Ben Tutty
Last updated: 4 August 2025 | 5 min read

What does LVR mean?

What are LVR restrictions?

Current LVR restrictions in NZ

Owner occupiers

Investors

You may be able to gte a high LVR loan but chances are you will pay extra for it.

Exemptions to the LVR rules

High LVR borrowing

New builds

First Home Loans

Bridging Loans

Remediation

Refinancing

High LVR borrowing can be risky.

How could LVR restrictions affect you?

Getting professional advice to work with LVRs

Author

Ben Tutty Ben Tutty