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Why does my Client's LVR change?

Your client's LVR changes as Sherlok updates the estimated property value, which affects the calculation. The formula used is LVR = (Estimated Property Value - Owing Amount) * 100, and it reflects changes in the property's estimated value rather than the original purchase price.

Apart from the owing amount decreasing, Sherlok also updates the Estimated Property Value to calculate the Loan-To-Value Ratio.  It does not use the Property purchase value.

Eg: LVR =(Estimated Property Value - Owing Amount) * 100

LVR Calculation