Search: LVR
RBA Glossary definition for LVR
LVR – Loan-to-valuation ratio
Search Results
Overview
24 Oct 2017
FSR
– October 2017
valuation ratios (LVRs) and strengthening serviceability metrics, have seen the growth in riskier types of lending moderate. ... The most recent focus has been on limiting interest-only lending, and banks have responded by further reducing lending with
https://www.rba.gov.au/publications/fsr/2017/oct/overview.html
Box B: Interest-only Mortgage Lending
21 Apr 2017
FSR
– April 2017
to tightly manage new IO loans extended at high loan-to-valuation ratios (LVRs).
https://www.rba.gov.au/publications/fsr/2017/apr/box-b.html
Financial Stability in a Low Interest Rate Environment: An Australian Case Study | Conference – 2017
16 Mar 2017
Conferences
solely, or even initially, in terms of high loan-to-valuation ratio (LVR) lending, as had been the case in some other countries. ... Calls by some observers during this period for APRA to put quantitative constraints on high LVR lending therefore struck
https://www.rba.gov.au/publications/confs/2017/ellis-littrell.html
Box B: Households' Investment Property Exposures: Insights from Tax Data
20 Oct 2017
FSR
– October 2017
Investor loans tend to have lower loan-to-valuation ratios (LVRs) at origination than owner-occupier loans. ... Some institutions require lower LVRs for investor loans and investors may choose an investment property such that their equity exceeds 20 per
https://www.rba.gov.au/publications/fsr/2017/oct/box-b.html
The Distribution of Mortgage Rates
15 Mar 2018
Bulletin
– March 2018
self-employed borrowers) or have impaired credit histories, or loans with high LVRs. ... There is also an interaction term between original LVR and whether the loan has an LVR over 80 per cent as a discontinuity in discounts is expected for loans with
https://www.rba.gov.au/publications/bulletin/2018/mar/the-distribution-of-mortgage-rates.html
Box D: Non-bank Lending for Property
12 Apr 2019
FSR
– April 2019
Footnote. Non-banks offer very competitive interest rates for a small proportion of owner-occupiers with lower credit risk, such as those with stable incomes and low LVRs.
https://www.rba.gov.au/publications/fsr/2019/apr/box-d.html
Box C: Lenders Mortgage Insurance
10 Sep 2013
FSR
– September 2013
Lenders generally use mortgage insurance for loans originated with a loan-to-valuation ratio (LVR) of 80 per cent or greater, given the higher risk profile of these loans. ... Without the ability to transfer credit risk to LMIs, some lenders may be
https://www.rba.gov.au/publications/fsr/2013/sep/box-c.html
Box C: Vulnerable Households and Financial Stress
20 Oct 2018
FSR
– October 2018
But of households with an LVR above 80 per cent, one-fifth had a required DSR greater than 30 per cent (Graph C3). ... The speed of transition to a lower DSR and LVR for these individual households depends partly on interest rates, housing prices and
https://www.rba.gov.au/publications/fsr/2018/oct/box-c.html
Property, Debt and Financial Stability
20 Mar 2019
Speech
Speech delivered by Michele Bullock, Assistant Governor, to the Urban Development Institute of Australia (WA), Perth
https://www.rba.gov.au/speeches/2019/sp-ag-2019-03-20.html
The Growth of Apartment Construction in Australia
16 Jun 2016
Bulletin
– June 2016
Apartments have become an increasingly important contributor to new dwelling construction over recent years and in 2015 accounted for more than one-third of all residential building approvals. The majority of recent apartment construction has been
https://www.rba.gov.au/publications/bulletin/2016/jun/3.html