loan to value ratios?Poll.

loan to value ratio of all properties

  • Age to 30 years. LVR 0-49%

    Votes: 0 0.0%
  • Age to 30 years. LVR 50-69%

    Votes: 7 9.3%
  • Age to 30 years. LVR 70- 79%

    Votes: 2 2.7%
  • Age to 30 years. LVR 80%+

    Votes: 9 12.0%
  • Age 31 to 50 years. LVR 0-49%

    Votes: 13 17.3%
  • Age 31 to 50 years. LVR 50-69%

    Votes: 24 32.0%
  • Age 31 to 50 years. LVR 70- 79%

    Votes: 12 16.0%
  • Age 31 to 50 years. LVR 80%+

    Votes: 4 5.3%
  • Age 51 years +. LVR 0-49%

    Votes: 1 1.3%
  • Age 51 years +. LVR 50-69%

    Votes: 2 2.7%
  • Age 51 years +. LVR 70- 79%

    Votes: 0 0.0%
  • Age 51 years +. LVR 80%+

    Votes: 1 1.3%

  • Total voters
    75
  • Poll closed .
With respect to your PPOR and Investment properties what LVR does everybody have?

Add up value of all mortgages as a ratio to all properties owned.


this should prove interesting with respect to age also.
 
LVR 60%, aged 34 and at the moment feeling pretty comfortable.

l think we will sit back for the time being and see how the market holds up in the coming months. ldeally we would like to keep some LVR up our sleeve in case the market does dip and well located CG +ve properties appear.
 
If I answer the question literally I get an LVR 74%.

But to me this figure only tells half the story. Instead I prefer to think about LVR across the total portfolio, which includes assets other than property.

In my case it drops to 52% - comparable with my self-imposed limit of 'about 50%'.

I wonder how many other people might have answered with a high LVR for their properties, but in reality have a much lower LVR if other investments are counted as equity.

Regards, Peter
 
a little inconclusive but. It appears that debt ratio may be higher the younger we are.

I suppose this would be from the fact as we get older maybe as a whole we are paying down our ppor improving our ratio.

Then moving into retirement with less debts.

Will have to see what happens when we get more poll results.
 
It should not be to suprising that the younger age group have a higher LVR, for me I just have not earnt the money yet to really build up that level of equity .. granted had I got in to property closer to the beginning of this cycle my LVR would be better, but I guess I can be around for future cycles, and will have a better idea what to look for next time around
 
Originally posted by whitt
a little inconclusive but. It appears that debt ratio may be higher the younger we are.

I suppose this would be from the fact as we get older maybe as a whole we are paying down our ppor improving our ratio.

Then moving into retirement with less debts.

Will have to see what happens when we get more poll results.
Hi Whitt,
You don't even have to pay down your PPOR or IP's, just pay the interest, and let time take its effect.
eg: Lets say..
Property Cost $200k Mortgage 180k = 90% loan
in 7 years time property doubles to:
$400K with mortgage still $180k = 45% loan
after 14 years
$800k with mortgage still $180k = 23% loan

Nice figures ? yes.
 
Hi,

eg: Lets say..
Property Cost $200k Mortgage 180k = 90% loan
in 7 years time property doubles to:
$400K with mortgage still $180k = 45% loan
after 14 years
$800k with mortgage still $180k = 23% loan

Nice figures ?

I'd be fairly happy with 10% pa for the next 14 years too :p

-Cheers

Dave
 
Originally posted by mckennal
age 24, LVR ~96% -- not concerned.
just bought my first house (PPOR)
Congratulations, now remember just ONE thing - Don't ever sell it !!!

I bought my first one when I was about your age, and I wish i still had it, (as an IP now). It would be fully paid off now, even with a 25 yr mortgage term, and it would be enough to retire on comfortably.....
 
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