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RBA Glossary definition for LVR

LVR – Loan-to-valuation ratio

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Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data

25 Nov 2014 RDP 2014-13
Matthew Read, Chris Stewart and Gianni La Cava
The loan-level analysis indicates that the probability of entering arrears increases with the loan-to-valuation ratio (LVR) at origination, and is particularly high for loans with an LVR above
https://www.rba.gov.au/publications/rdp/2014/2014-13.html
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Some Innovative Mortgage Data

14 Aug 2017 Speech
Christopher Kent
Speech delivered by Christopher Kent, Assistant Governor (Financial Markets), at the Moody's Analytics Australia Conference 2017, Sydney
https://www.rba.gov.au/speeches/2017/sp-ag-2017-08-14.html

Read me

26 Jul 2021 RDP 2021-07
Nicholas Garvin, Alex Kearney and Corrine Rosé
LVR_dataset_formatting.R: reads the data_for_macropru_analysis.csv file and reformats it for the LVR regressions in Section 7.1. ... This script produces the lvr_data_for_analysis.csv file to be read by Stata.
https://www.rba.gov.au/publications/rdp/2021/2021-07/read-me.html
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Mortgage Insights From Securitisation Data

20 Nov 2017 Speech
Marion Kohler
Speech delivered by Marion Kohler, Head of Domestic Markets Department, to the Australian Securitisation Forum, Sydney
https://www.rba.gov.au/speeches/2017/sp-so-dm-2017-11-20.html

Appendix A: Model Specifications

20 Sep 2022 RDP 2022-03
Nicholas Garvin, Samuel Kurian, Mike Major and David Norman
Housing loans with LMI ($). APRA (ARF_223.0). OutstandingMortgagesLVR 80. Mortgages with LVRs 80. ... o. s. t. C. R. E. ). is added for all LVRs above a minimum threshold. (.
https://www.rba.gov.au/publications/rdp/2022/2022-03/appendix-a.html
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Macroprudential Policy: A Suite of Tools or a State of Mind?

11 Oct 2012 Speech
Luci Ellis
Speech by Luci Ellis to the Paul Woolley Centre for Capital Market Dysfunctionality Annual Conference, Sydney
https://www.rba.gov.au/speeches/2012/sp-so-111012.html

How Are Households Placed for Interest Rate Increases?

19 Jul 2022 Speech
Michele Bullock
Speech delivered by Michele Bullock, Deputy Governor, ESA (QLD) Business Lunch, Brisbane
https://www.rba.gov.au/speeches/2022/sp-dg-2022-07-19.html

Assessing the Effects of Housing Lending Policy Measures

15 Nov 2018 Speech
Guy Debelle
Speech delivered by Guy Debelle, Deputy Governor, to the Remarks at FINSIA Signature Event: The Regulators, Melbourne
https://www.rba.gov.au/speeches/2018/sp-dg-2018-11-15.html

The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis

22 Jul 2020 RDP 2020-03
Michelle Bergmann
Figure 3: Distribution of Indexed LVRs. Balance-weighted share of securitised loans, June 2019. ... 0.89. Equity and housing market factors. Indexed LVR buckets (selected; base = 60–70).
https://www.rba.gov.au/publications/rdp/2020/2020-03/full.html
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Appendix D: Variable Definitions and Summary Statistics

31 Dec 2006 RDP 2006-08
Carl Schwartz, Tim Hampton, Christine Lewis and David Norman
The LVR for each household is based on all houses and loans held by that household. ... 111,600. Median LVR. Ratio. 0.33. 0.58. 0.57. 0.39. By household. Share owning that property.
https://www.rba.gov.au/publications/rdp/2006/2006-08/appendix-d.html
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