Pro Tip: LVR can help you get better interest rates.
Get your property valuation done by your lender or broker once every year and it can be a game changer in your property journey.
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LVR stands for “Loan-to-Value Ratio,” and it’s a way for lenders to determine how much they are willing to lend to a borrower based on the value of the property they are buying. The lower the LVR, the more equity a borrower has in the property, which can make them a less risky borrower in the eyes of the lender. If you’re looking to reduce your mortgage payment, there are a few ways you can use LVR to your advantage:
- Make a larger down payment: By putting more money down on the property, you can lower your LVR and potentially qualify for a lower interest rate, which can result in a lower mortgage payment.
- Increase the value of the property: You can increase the value of the property you’re buying by making renovations or improvements. This can also lower your LVR and qualify you for a lower interest rate.
- Refinance your mortgage: If you’ve built up equity in your property, you may be able to refinance your mortgage to a lower interest rate, which can result in a lower mortgage payment.
It’s important to note that LVR is only one factor that lenders consider when assessing a mortgage application, and each lender has their own policies and guidelines when it comes to LVR. It’s always a good idea to speak with a mortgage broker or lender to get a better understanding of how your LVR might affect your mortgage payment.
Additionally, keep in mind that your credit score, income, and debt-to-income ratio are also important factors that lenders will look at when assessing your application. You may want to work on improving these factors as well, to increase chances of approval and lower interest rate.
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