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This occurs when the calculated Loan-to-Value Ratio (LVR) exceeds 80% based on AVM or manual valuation.

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Platform Action

Automatically escalated for human review.

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Credit Operations – Next Steps

  • Order manual valuation via ValX
  • Update valuation and LVR in platform
  • If LVR is revised to ≤ 80%, continue to formal approval if no other issues exist

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Example Situation

AVM returns a property value of 900,000againstarequestedloanof900,000 against a requested loan of 750,000. The system flags LVR at 83.3% and escalates. A manual valuation revises the value to $950,000, lowering LVR to 78.9% — now eligible.
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