Interactive Mortgage Metric Engine

Mandatory Loan-to-Value (LVR) Calculator

The core risk metric governing all property-backed private mortgages. Calculated automatically and stored on every directory listing.

Directory Only Notice: Finance Restructuring is not a broker, lender, credit provider, or financial adviser.

Mortgage Metric Engine

Formula: LVR = (Requested Loan Amount ÷ Sworn Asset Value) × 100

60.3%LVR

Standard (60-70%)

0%60% (Prime)70% (Standard)80% (High LVR)90%+

Requested Loan Amount ($ USD)$3,500,000

Property / Asset Security Value ($ USD)$5,800,000

Target LVR Borrowing Capacity on this Asset:

At a target LVR of 65%, maximum fundable loan is $3,770,000.

LVR is automatically validated and stored on every borrower listing.

< 60% LVRPrime Tier

Highest security margin. Highly sought by private credit funds, family offices, and bank takeouts with lowest cost of capital.

60% – 70% LVRStandard Private

The core private mortgage corridor. Broad institutional and syndicated appetite for commercial, industrial, and residential debt.

70% – 80% LVRHigh LVR / Mezz

Requires secondary caveats, second mortgages, or corporate and personal cross-collateral guarantees. Higher coupon rates apply.

> 80% LVRSpecial Situations

Distressed workouts, urgent bridge funding, equity participation, or debt restructuring requiring bespoke covenants.