Investment Property Loans › What is the maximum LVR for an investment loan?

What is the maximum LVR for an investment loan?

Many lenders allow investment lending up to around 90 to 95 percent including lenders mortgage insurance, but the sharpest rates usually need a loan to value ratio of 80 percent or less.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

A higher loan to value ratio lets you buy with a smaller deposit, but it adds lenders mortgage insurance and often a higher rate. Keeping the ratio at or below 80 percent unlocks better pricing and more lenders. Where your deposit or equity puts you on this scale strongly shapes your options.

The key points

Investment lending can reach around 90 to 95 percent with insurance.
The best rates usually need 80 percent or less.
Higher ratios add lenders mortgage insurance.
Your deposit or equity sets where you sit.

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.