LTV Calculator To Know Your Loan-to-Value Ratio in Seconds
Quickly calculate your mortgage LTV and see how it affects borrowing potential and interest rates.
We work with more than 120 mortgage lenders, including
Understanding Loan-to-Value (LTV)
A key measure for mortgage eligibility and rates
The Loan-to-Value (LTV) ratio is the percentage of a property’s value that is financed by a mortgage. Our LTV Calculator helps buyers understand borrowing limits, qualify for competitive rates, and plan deposits accurately before making offers.
Calculate Your Loan-to-Value in Seconds
Quickly see your mortgage-to-property ratio
Input your property value and mortgage amount to estimate your LTV. This helps identify which mortgage products you’re eligible for and plan your deposit requirements effectively.
Disclaimer: This calculator provides estimates only and should not be considered financial advice.
Designed for Every Property Buyer
Plan your borrowing and deposit strategy with clarity
- First-time buyers can see if they meet LTV requirements for competitive rates.
- Home movers can plan deposits and understand eligibility for new mortgages.
- Buy-to-let investors can check LTV for investment property financing.
- Limited company buyers can calculate corporate property LTV.
- Self-employed and contractors can plan mortgage applications based on LTV limits.
Quick, Accurate LTV Estimates You Can Trust
Make informed mortgage decisions with confidence
Instant LTV Calculation
Quickly determine your Loan-to-Value ratio by entering your property value and mortgage amount to understand your borrowing position before applying.
All Property Types
Works for residential, buy-to-let, and commercial properties, helping you estimate LTV across different property types with a quick calculation.
Deposit Planning
See how your deposit affects your Loan-to-Value ratio and borrowing potential, helping you decide if increasing your deposit could secure better mortgage deals.
Mortgage Comparison
Use your LTV result to understand which mortgage products you may qualify for, as lenders offer different rates across LTV brackets.
Avoid Surprises
Knowing your LTV early helps you prepare for lender requirements and reduces surprises during the mortgage application process.
Free Online Tool
Use our LTV calculator anytime online for free to estimate your borrowing position without creating an account or sharing personal details.
Frequently Asked Questions
What is LTV?
LTV is the percentage of your mortgage compared to the property’s value. Lower LTV usually results in better interest rates.
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How does LTV affect mortgage approval?
Lenders prefer lower LTVs as they represent lower risk. Higher LTV may require larger deposits or higher rates.
Can I use this for remortgages?
Yes. Calculate your current property’s value vs outstanding mortgage to plan remortgage options.
Does it include fees?
No, LTV strictly compares deposit and mortgage amount against property value. Fees are not included.
Who should use an LTV Calculator?
Ideal for buyers, movers, investors, and corporate purchasers planning mortgage eligibility and deposits.