Learn
High-LVR property finance
High-LVR property finance is lending where the loan is a large share of the property's value. Higher leverage means less buffer if values fall, so lenders price it higher and limit it by security type and loan position. The figure that matters is your own, tested against a realistic valuation.
Written by Richard Goodwin, Founder and author, PrivetReviewed by Privet Team, Editorial review team, PrivetLast reviewed 23 October 2026
How LVR works
LVR is the loan divided by the property value. With a second mortgage, lenders look at combined LVR: all debt secured on the property divided by value. Calculate yours with the LVR calculator.
Why limits vary
| Factor | Effect on limit |
|---|---|
| Security type | Specialised or regional property often attracts lower limits |
| Loan position | Second mortgages are usually limited on combined LVR |
| Valuation basis | As-is or forced-sale bases reduce the usable value |
| Exit strength | A strong exit can matter as much as leverage |
The 75% search
A search for a private lender 75% LVR usually reflects a common reference point, but each lender sets its own limit by property type and position. Privet does not state typical LVRs because they change; confirm current limits with each lender.
Risks of higher leverage
Read the ratios lesson for LVR, ICR and DSCR together.
- Less buffer if the valuation or sale price falls
- Higher pricing and fees
- Harder refinance at the end of the term
Frequently asked questions
What is a high LVR?
There is no single definition; it depends on the property and lender. Higher LVR simply means less equity buffer.
Is combined LVR the same as LVR?
Combined LVR includes every loan secured on the property, not just one.
Can valuations differ from the price?
Yes. Lenders rely on their own valuation, which may be lower than a contract or estimate.
Does Privet lend at a set LVR?
No. Privet is not a lender and does not publish LVR offers.
How do I test my numbers?
Use the LVR calculator with a cautious value estimate.
Related guides
- Lvr icr dscr and other ratios
- Second mortgage loans in Australia
- Private credit Australia: how property-backed lending works
- Private first mortgage loans in Australia
Glossary: loan to value ratio, combined lvr, forced sale value
Run the numbers
Test cost and timing with the matching calculator before you speak to anyone. Then send one enquiry to finance providers.
Cite or share this guide
Privet (2026). High-LVR property finance. Retrieved from https://privet.com.au/learn/high-lvr-private-lending
Send one enquiry to finance providers
- Free, and no credit check to enquire
- One short form, shared only with your consent
- Private and non-bank providers review your scenario
Free. No obligation. Not an application for credit.