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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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Macroprudential Policy Frameworks and Tools

15 Dec 2016 Bulletin – December 2016
David Orsmond and Fiona Price
Over the past decade, policymakers have increasingly used macroprudential tools to address a range of financial stability concerns. International institutions have identified and offered guidance on the components of an effective macroprudential
https://www.rba.gov.au/publications/bulletin/2016/dec/8.html

Housing Accessibility for First Home Buyers

7 Dec 2017 Bulletin – December 2017
Gianni La Cava, Hannah Leal and Andrew Zurawski
The ability of Australians to purchase their first home (‘housing accessibility’) has been an important topic of public debate recently. In this article, we construct an indicator of housing accessibility that suggests that the median potential
https://www.rba.gov.au/publications/bulletin/2017/dec/3.html

Read me file for Macroprudential Limits on Mortgage Products: The Australian Experience

22 Jul 2021 RDP PDF 552KB
RDP 2021-07 supplementary information
https://www.rba.gov.au/publications/rdp/2021/2021-07/rdp-2021-07-read-me.pdf

A Survey of Housing Equity Withdrawal and Injection in Australia

18 Aug 2006 RDP PDF 421KB
It is worth noting that the LVRs on the purchased properties were significantly higher than the overall LVR of households undertaking these transactions (that is, these households often had other, less ... 6 These LVRs are also higher than previous
https://www.rba.gov.au/publications/rdp/2006/pdf/rdp2006-08.pdf

Recent Developments in Margin Lending in Australia

14 Dec 2009 Bulletin PDF 148KB
Reserve Bank of Australia Bulletin December 2009
https://www.rba.gov.au/publications/bulletin/2009/dec/pdf/bu-1209-2.pdf

Trends in the Housing Sector

10 Sep 1995 Bulletin – September 1995
cent, and the bulk of this proportion is thought to have been at LVRs below 90 per cent. ... e. the LVR was over 100 per cent), and even the typical loan was equivalent to around 85 per cent of the value.
https://www.rba.gov.au/publications/bulletin/1995/sep/1.html

The Distribution of Mortgage Rates

15 Mar 2018 Bulletin – March 2018
Michelle Bergmann and Michael Tran
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

How Risky is Australian Household Debt?

19 Aug 2020 RDP PDF 1880KB
For example, banks can. be more willing to lend at higher loan-to-valuation ratios (LVRs) in countries where they are. ... Ideally we would include. maximum permissible LVRs as a more direct measure of banks’ willingness to lend, but we.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-05.pdf

Recent Developments in Low-deposit Loans

13 Oct 2003 Bulletin PDF 60KB
Loans with. Graph 1. High LVR Lenders’ Interest Rates. 100K. 97 per cent LVR loans. ... LVR less than 80 per centSource: RBA. Recent Developments in Low-deposit Loans October 2003.
https://www.rba.gov.au/publications/bulletin/2003/oct/pdf/bu-1003-1.pdf