Refinancing with a high Loan-to-Value Ratio (LVR) can be challenging, but Mortgage Street offers tailored dollar-for-dollar refinance options to help your clients, even in complex financial situations.
What is LVR?
LVR, or Loan-to-Value Ratio, measures how much someone borrows compared to their property’s value. For example, an 80% LVR means the deposit covered 20% of the property’s worth. Traditional lenders typically favour LVRs of 80% or below, as they represent lower risk and avoid the need for Lender’s Mortgage Insurance (LMI). When refinancing, equity replaces the original deposit in LVR calculations, which is crucial for clients to consider when applying for refinancing.
How Does LVR Impact Refinancing?
Most lenders impose an LVR limit of 80% for insured loans. For borrowers with higher LVRs, traditional refinancing options may be off-limits due to perceived risk—even if they have stable finances. This can be a significant barrier for your clients, requiring a lender with more flexible terms.
Why Choose Mortgage Street?
As a non-bank lender, Mortgage Street has the agility to accommodate borrowers with higher LVRs. Our dollar-for-dollar refinance loans are specifically designed to help clients refinance, even if other lenders have declined their application. Here’s why Mortgage Street stands out:
Competitive Interest Rates: Save clients thousands over the life of their loan.
Flexible Loan Terms: Tailored to suit unique financial circumstances.
Personalised Solutions: We work closely with brokers to find the best loan product for each client.
With Mortgage Street, your clients can access refinancing options that combine flexibility, affordability, and accessibility—even with high LVR considerations. Partner with us to provide practical solutions that help clients achieve their financial goals.
Ready to Assist Your Clients?
Contact Mortgage Street today to explore refinancing solutions that work for your clients, no matter their LVR. THEN update the date