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^^LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.  Home loan rates for new loans are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.

Credit criteria, fees and charges apply. Property valuation: valuation is valid for 90 days. Your upfront bank valuation assessment may require further valuation assessment if your property does not fit lending guidelines. Personalised rate: variable interest rates are subject to change, the rate discount is valid for 14 days. For fixed rates, discounts are valid for 5 days. Support and live chat: dedicated teams are here to help you 7 days a week. Available 8am-10pm Mon-Fri and 9am-5pm Sat-Sun. Bank of Melbourne - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.