The maximum LVR is the largest percentage of your property’s value a lender will agree to let you borrow. To break it down – LVR means loan-to-value ratio. This is the amount of money you borrow for your home loan versus the value of the property, expressed as a percentage. LVRs are used by lenders to determine whether you are a risky borrower. Lender’s will set their own maximum LVR depending on what they see as an acceptable level of risk. Generally, most lenders see 80 per cent as a desirable maximum LVR.