deposit. However, due to its risky stance, there are strict requirements for those who wish to take out a 100% LVR home loan such as using a guarantor, also known as a Guarantor home loan. New Zealand In New Zealand, the Reserve Bank has introduced Loan-to-Value restrictions on the banks in order to slow the rapidly growing property market - particularly in Auckland. The LVR restrictions mean that banks are not permitted to make more than 10 percent of their residential mortgage lending to high-LVR (less than 20 percent deposit) owner-occupier borrowers and they must restrict their high-LVR (less than 40 percent deposit) lending to investors to no more than 5 percent of residential mortgage lending. United Kingdom In the UK, mortgages with an LTV of up to 125% were quite common in the run-up to the national / global economic problems, but today (November 2011) there are very few mortgages available with an LTV of over 90% - and 75% LTV mortgages are the most common. See also Collateral (finance) Cross-collateralization Haircut (finance) Mortgage law Mortgage loan References https://www.wsj.com/articles/SB10001424052702304626304579509463522046346 External links Investopedia.com page on loan to value Credit Personal finance Financial ratios Loans