Weighted Security Pool LVR Calculator
Cross-collateralised deals rarely have a single LVR. Add each property with its own value, valuation basis, prior debt and acceptable LVR to get the blended position — and the maximum debt the pool actually supports.
Step 1 of 3
Security Pool LVRProposed facility
The total debt to be secured against the pool.
Total new debt secured against the pool, excluding prior debt that stays in place.
How this was calculated
Every figure below shows the method used to derive it, so you can check the structure before taking it to a client.
Security-by-security contribution
Pool weight is each security's share of total value. Supportable debt is that security's own acceptable LVR applied to its value, less any prior debt remaining in place.
| Primary residenceMarket value · 45.5% of pool | $2,500,000 |
|---|---|
| Prior debt remaining | −$800,000 |
| Supportable debtAt 70% LVR | $950,000 |
| Investment unitMarket value · 21.8% of pool | $1,200,000 |
| Supportable debtAt 65% LVR | $780,000 |
| Development siteAs-is value · 32.7% of pool | $1,800,000 |
| Supportable debtAt 55% LVR | $990,000 |
Pool totals
| Total gross value | $5,500,000 |
|---|---|
| Total prior debt | −$800,000 |
| Value net of prior debt | $4,700,000 |
| Proposed new facility | $3,000,000 |
| Total debt against pool | $3,800,000 |
| Maximum supportable facility | $2,720,000 |
How the ratios are derived
| Gross LVRTotal debt ÷ total gross value | 69.09% |
|---|---|
| Net LVRNew facility ÷ value net of prior debt | 63.83% |
| Weighted acceptable LVRΣ (security acceptable LVR × security share of value) | 64.00% |
| Facility as % of capacityProposed facility ÷ maximum supportable facility | 110.29% |
Assumptions
- Net value basis
- Each security's lendable value is its gross value less any prior debt that remains in place. Pool LVR is measured against total gross value, while supportable debt is derived from value net of prior debt.
- Weighted acceptable LVR
- The blended acceptable LVR is value-weighted: each security's acceptable LVR is weighted by its share of total included pool value. A large low-LVR asset therefore pulls the blended figure down more than a small one.
- Mixed valuation bases
- Values are used exactly as entered. Mixing market value, as-is and on-completion figures in one pool will overstate leverage capacity — the basis for each security is disclosed in the breakdown so this stays visible.
- Excluded securities
- Securities marked as excluded remain listed for reference but are not counted in any total.
- Rounding and precision
- All arithmetic uses decimal precision rather than floating point. Figures are rounded to the cent for presentation only, so totals always reconcile.
Important information
This calculator produces an indicative desktop estimate for broker scenario-modelling purposes only. It is not an offer of finance, a pre-approval, a term sheet, or credit assistance, and it does not take your client's objectives, financial situation or needs into account.
Lenders assess each security individually and may decline, discount or apply a lower LVR to any asset in the pool. Acceptable LVRs vary by asset type, location, condition, tenure and marketability.
Actual terms, fees, rates, valuations, and available leverage are determined by the lender following full assessment, valuation and legal review. Fees and interest vary between lenders and transactions. Figures shown depend entirely on the inputs and assumptions you have selected.
Get Solutions does not provide financial, legal, tax, or accounting advice. Your client should obtain independent professional advice before acting on any figure produced here.
Tool version 1.0.0 · Formula version 1.0.0 · Disclosure version 1.0.0 · Calculated 11 Sept 2026, 8:50 pm
Common questions
- How is the weighted acceptable LVR calculated?
- Each security's acceptable LVR is weighted by its share of the total included pool value, then summed. A $3m site at 55% influences the blend far more than a $500k unit at 70%, which is why the blended figure is usually lower than brokers expect.
- Should I include prior debt that is staying in place?
- Yes. Enter it against the relevant security. The pool's lendable capacity is calculated on value net of prior debt, so leaving it out will overstate the debt the pool supports.
- Can I mix valuation bases across the pool?
- You can, but be careful. Blending an on-completion value with market values inflates apparent capacity. Each security's basis is shown in the breakdown so the mix is transparent when you present it.
Common questions
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