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Remortgage rates comparison

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Calculators
Loan-to-value (LTV)

Buy-to-let Loan-to-value calculator

Enter the property value and your deposit to estimate your loan-to-value (LTV). Your LTV shows how much of the property’s value you may need to borrow and may influence the mortgage rates and products available to you.

Your details

Buying a property to rent out? Enter the purchase price and your deposit to see the mortgage amount you would need and your loan-to-value (LTV).

Use the full purchase price, before taking off your deposit.

Enter an amount in pounds, rather than a percentage.

Your results

Enter your purchase price and deposit, then select Calculate LTV.

Important information

This purchase estimate does not assess affordability or confirm mortgage availability. It excludes buying costs and any fees added to the loan. Your lender’s valuation and criteria may change the LTV it uses. Percentages are rounded to two decimal places where needed; the guidance uses the unrounded LTV.

Your next steps

Use these tools to explore mortgage rates, check monthly repayments and allow for property tax as you plan your buy-to-let purchase.

MORTGAGE RATES

Explore current mortgage rates and fees

Review rates and product fees as you plan your buy-to-let borrowing. The options available will depend on the property, expected rent and your circumstances.

Compare mortgage rates → 

REPAYMENTS

Check your monthly mortgage repayments

See how the loan amount, interest rate and term affect monthly payments on a repayment mortgage. Allow separately for letting costs and periods without rent.

Calculate repayments →

STAMP DUTY

Estimate your buy-to-let stamp duty

Estimate the property tax on your rental purchase, based on its price and location. The calculator covers purchases in your own name or through a limited company.

Calculate your property tax →

How Muttuo can help

Your LTV is a starting point for planning a buy-to-let purchase. Our advisers can review your deposit, expected rent and circumstances, then compare mortgage options from 100+ lenders to help you understand what may be available.

Speak to a mortgage adviser

Your questions answered

Subtract your deposit from the purchase price to find the mortgage amount, then divide that amount by the purchase price and multiply by 100.

For example, a £200,000 rental property bought with a £50,000 deposit needs a £150,000 mortgage, giving an LTV of 75%.

There is no single ideal LTV for every landlord. A lower percentage may give access to different rates and products, although fees, expected rent and the lender’s criteria still affect your options.

The deposit you need depends on the lender, property and your circumstances. As an illustration, 75% LTV means a 25% deposit, while 80% LTV means a 20% deposit.

These examples do not confirm mortgage availability, and you should allow separately for property tax and other buying costs.

Yes. The calculation is the same whether you buy in your own name or through a limited company or SPV. Enter the purchase price and deposit for the proposed purchase; the calculator does not check company eligibility or advise which ownership structure to choose.

Yes. The calculation is the same whether you buy in your own name or through a limited company or SPV. Enter the purchase price and deposit for the proposed purchase; the calculator does not check company eligibility or advise which ownership structure to choose.

Yes. This estimate uses the purchase price you enter, while the lender’s valuation and any fees added to the loan may change the LTV.

For example, a £150,000 mortgage against a valuation of £190,000 gives an LTV of about 78.95%.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority does not regulate some buy-to-let mortgages.