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LTV Calculator

Loan-to-Value (LTV)

Loan-to-Value (LTV) ratio is a key step in making informed decisions about mortgages and remortgages. Whether you’re purchasing a new property or reviewing your current mortgage, our LTV Calculator provides the clarity you need to navigate your financial journey confidently.

LTV Calculator

LTV Calculator

Calculate your Loan-to-Value ratio and see what mortgage rates you qualify for.

Property & Mortgage Details

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What is LTV?
Loan-to-Value (LTV) is the percentage of the property value you're borrowing. Lower LTV means better mortgage rates and more lender choice. For example, a £270,000 mortgage on a £300,000 property = 90% LTV.

Your LTV Analysis

Your LTV Ratio
90.0%
Loan-to-Value ratio
High LTV
Deposit Required
£30,000
Minimum deposit needed
Equity in Property
£30,000
Your ownership stake
Rate Category
90% LTV
Mortgage rate tier you qualify for
Amount Percentage
Property Value £300,000 100%
Mortgage Amount £270,000 90.0%
Your Deposit/Equity £30,000 10.0%
High LTV - Limited Options
At 90% LTV, you'll need a lender offering high-LTV mortgages, often with slightly higher rates. Consider increasing your deposit to access better rates at 85% or 75% LTV.

What Is Loan-to-Value (LTV)?

The Loan-to-Value ratio is a percentage that represents the proportion of a property’s value financed by a loan. It’s calculated by dividing the loan amount by the property’s value and multiplying by 100. For example, if your property is worth £200,000 and your mortgage is £150,000, your LTV is 75%.
This ratio plays a pivotal role in determining your eligibility for mortgages and remortgages, as well as the interest rates you may be offered. A lower LTV generally means more favourable loan terms.

Why Use Our LTV Calculator?

Whether you’re buying your first home or seeking a remortgage, our LTV Loan Calculator is designed to simplify the decision-making process. Key benefits include:

Quick and Accurate

Get precise LTV calculations in seconds.

Clear Financial Insights

Understand your borrowing position and equity at a glance.

Informed Decisions

Know how your LTV ratio affects your eligibility for different mortgage products.

Tailored for Your Needs

Our LTV Remortgage Calculator is perfect for homeowners looking to assess their options. Knowing your current LTV can help you secure better interest rates or release equity for other financial goals.
For prospective buyers, the Mortgage LTV Calculator helps determine the feasibility of a new property purchase. You can use it to:
  • Check how much of the property’s value you’ll need to finance.
  • Assess how changes in deposit size affect your LTV ratio and loan terms.
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Planning a Remortgage? Start Here

  • Remortgaging is an opportunity to optimise your finances. With our LTV Calculator for Remortgage, you can:
  • See how your property’s value growth impacts your LTV.
  • Explore new mortgage products tailored to your updated LTV.
  • Make confident decisions with reliable data at your fingertips.
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Benefits of Understanding Your LTV

  • Knowing your LTV ratio is a powerful tool for financial planning. It helps you:
  • Evaluate affordability and potential interest rates.
  • Understand the equity you hold in your property.
  • Plan effectively for future property purchases or refinancing.
  • A Reliable Tool for Every Step
Our LTV Calculator is designed to meet the needs of anyone in the property market. Whether you’re calculating an LTV for a new mortgage, assessing your options with an LTV Remortgage Calculator, or exploring affordability with an LTV Mortgage Calculator, it’s a trusted resource for clear, actionable insights.
  • Take the First Step Towards Financial Confidence
Use our LTV Calculator today to gain a clearer understanding of your financial position. Whether you’re buying, refinancing, or remortgaging, our tools provide the precision and guidance you need to achieve your property goals. Let us help you navigate the numbers so you can focus on what matters most—your future.

0208 143 7779

Frequently Asked Questions

Loan-to-Value (LTV) is the ratio of a loan amount to the property’s value, expressed as a percentage. For example, a £75,000 loan on a £100,000 property has an LTV of 75%.
The calculator determines your LTV by dividing the loan amount by the property’s purchase price or current value and multiplying by 100. It provides a clear percentage to help you understand your borrowing position.
LTV helps lenders assess risk. A lower LTV often means better interest rates and higher chances of loan approval, as the lender has more security in the property.
A good LTV depends on your circumstances. Generally, an LTV of 75% or lower is considered favourable and may offer more competitive rates. However, bridging loans and Buy-to-Let mortgages can accommodate higher LTVs, often up to 85%.
Yes, the calculator is useful for estimating LTV on bridging loans. Bridging lenders often assess LTV differently, considering the property’s future value after renovation or development.
No, the LTV calculator focuses purely on the loan amount and property value. You should factor in additional costs like arrangement fees, valuation fees, and legal expenses separately.
Yes, the calculator is helpful for development finance. For projects, you might calculate LTV based on the Gross Development Value (GDV) instead of the purchase price.