LTV (Loan-to-Value) Calculator, Know Your Equity, Know Your Options
Your Loan-to-Value (LTV) ratio is one of the single most important numbers when it comes to mortgage pricing, product availability and remortgage options. Use our LTV Calculator to instantly work out the percentage of your property value that would be mortgaged and discover what deposit or equity you actually hold. Whether you’re buying, remortgaging, or refinancing to release equity, this tool gives you the clarity you need to plan next steps and negotiate better deals. Contractors, self-employed professionals and portfolio landlords will find it especially useful when assessing deposit requirements and lender tiers.
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How To Use the LTV (Loan-to-Value) Calculator
Enter the Property Value
Type in the current market value or the purchase price of the property. Use a realistic figure (estate agent valuation, recent sale price nearby, or a professional valuation) for the most accurate result.
Enter the Mortgage / Loan Amount
Add the amount you plan to borrow, or if you already have a mortgage, enter the outstanding balance you intend to refinance or combine.
Click Calculate
The calculator will divide the loan amount by the property value and present your LTV as a percentage.
Interpret the Result
See your LTV percentage and a short explanation of which lender bands you typically fall into (e.g., 90%+, 85–90%, 75–85%, sub-75%). This helps you understand which interest rates and products you’re likely to be offered.
Model Scenarios
Try different purchase prices, deposit amounts or loan sizes to model how increased deposit or equity improves your LTV and opens up better mortgage products.
Get Expert Advice
Results are indicative. For a tailored strategy ,especially if you’re a contractor or have complex income ,speak with our advisers to ensure the LTV works with your affordability and tax situation.
Loan-to-Value (LTV) Calculator
Why the LTV Calculator Matters & Who Should Use It
Understanding your Loan-to-Value (LTV) ratio is essential for anyone planning to buy, refinance, or remortgage a property. The LTV ratio indicates how much of the property’s value is financed through borrowing compared to your deposit or equity. A lower LTV typically gives you access to better mortgage deals and interest rates, while a higher LTV might mean higher rates or limited options. This calculator is perfect for first-time buyers assessing deposit needs, contractors gauging borrowing potential, and homeowners looking to remortgage efficiently. By knowing your LTV, you can plan smarter, negotiate better, and take control of your mortgage journey. The LTV ratio determines the categories of mortgage products available to you and directly affects the interest rate you’ll be offered. Lenders reward lower LTVs with better pricing and fewer restrictions; higher LTVs usually mean higher rates, stricter underwriting and sometimes added conditions.
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FAQ’s
What is LTV and how is it calculated?
LTV (Loan-to-Value) = (Mortgage amount ÷ Property value) × 100. It shows the percentage of the property financed by borrowing.
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What LTV do lenders prefer?
Most lenders favour LTVs below 75% for the best rates. Mortgage options widen significantly below 80% and improve further under 75%.
How can I reduce my LTV?
Increase your deposit or reduce the mortgage amount. Boosting property value through improvements or waiting for house price growth also reduces LTV.
Does a better LTV guarantee approval?
A low LTV helps, but lenders also assess income, credit history and the property itself. For contractors, proving contract income clearly is equally important.
Can I remortgage to consolidate debt and change my LTV?
Yes. Remortgaging can consolidate debt and change your LTV ,but remember, increasing borrowing raises LTV and could move you into a higher rate band.
Is the calculator result final?
No ,it’s an indicative figure. For an exact LTV, a formal property valuation and full lender assessment are required. We’ll guide you through both steps.
I’m a contractor, does my income type affect LTV decisions?
Indirectly. LTV is an equity measure, but lenders combine LTV with income assessment. Contractors with strong contract evidence may access favourable products at higher LTVs than would otherwise be possible.