Loan Value Ratio (LVR) is the amount you have to borrow to buy a property. You calculate it by dividing the amount of your loan by the bank’s or lender’s valuation of the property.

For example, the property is worth $500,000 and you have a deposit of $100,000. This means you still need to borrow $400,000. Now divide $500,000 by $400,000. Then, get the percentage. Your LVR will be 80%.