Document ID: chunk:federal_register_of_legislation:F2024L01127:reg:12
Version: federal_register_of_legislation:F2024L01127
Segment Type: reg
Provision Reference: reg 12
Character Range: 33153–35370

12  Loan-to-valuation ratio (LVR)                              Y                                      * 0% to <= 50%                                                                                          This column is applicable to Retail - residential mortgages - owner occupied and principal and interest, Retail - residential mortgages - five or more investment properties and Retail - residential mortgages – Other exposures except where the exposure is a purchased receivable.
                                                                                                      * 50.01% to <= 60%
                                                                                                      * 60.01% to <= 70%                                                                                      Loan-to-valuation ratio (LVR) and lenders' mortgage insurance (LMI) are defined in APS 112.
                                                                                                      * 70.01% to <= 80%
                                                                                                      * 80.01% to <= 90% - LMI                                                                                Allocate exposures to the appropriate LVR-LMI band based on the exposure's LVR and the application of eligible LMI.
                                                                                                      * 80.01% to <= 90% - non-LMI
                                                                                                      * 90.01% to <= 100% - LMI
                                                                                                      * 90.01% to <= 100% - non-LMI                                                                           For all other exposures, report Not Applicable.
                                                                                                      * > 100% - LMI
                                                                                                      * > 100% - non-LMI
                                                                                                      * Not Applicable