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Calculators
Loan-to-value (LTV)

Loan-to-value (LTV) 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.

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Enter a property value and deposit to see your loan-to-value.

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Your LTV can influence the mortgage options available to you. Compare mortgage rates, estimate your monthly repayments and check whether the amount you need to borrow could be affordable.

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Compare current mortgage rates and explore how your loan-to-value could affect the options available to you.

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See what your mortgage could cost

Estimate your monthly repayments based on the amount you want to borrow, interest rate and mortgage term.

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Estimate how much you may be able to borrow based on your income and deposit.

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Not sure what your LTV means for you? Our advisers can compare mortgage options across 100+ lenders and help you understand the rates, deposit requirements and lender criteria that could apply to your circumstances.

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Your questions answered

A loan-to-value calculator shows how much of a property’s value you would need to borrow as a percentage.

It uses the property value and deposit you enter to estimate your LTV. For example, the larger your deposit compared with the property price, the lower your LTV will generally be.

Loan-to-value compares the amount you need to borrow with the value of the property.

The calculator works out your estimated mortgage by subtracting your deposit from the property value. It then expresses that amount as a percentage of the property value.

For example, if you needed to borrow £180,000 to buy a £200,000 property, your LTV would be 90%.

Lenders commonly use LTV when deciding which mortgage products and rates may be available.

A lower LTV can give you access to a different range of mortgage options, although the mortgage available to you will also depend on affordability, eligibility and the lender’s individual criteria.

Yes. If the property value stays the same, putting down a larger deposit reduces the amount you need to borrow, which lowers your LTV.

A lower mortgage amount could also reduce your monthly repayments, although the actual cost will depend on the interest rate, mortgage term and mortgage product you choose.

There is no single LTV that is right for everyone. Mortgage products are available at different LTV levels, and the options available will depend on the lender and your circumstances.

Generally, having a lower LTV may give you access to a wider or different range of mortgage products and rates. However, you should also consider how much deposit you are comfortable using and any other costs involved in buying the property.

Not on its own. LTV shows the relationship between your mortgage amount and the property’s value, but lenders will also assess your income, expenditure, debts, credit history and other circumstances.

A suitable LTV therefore does not guarantee that a lender will agree to the mortgage amount you need.

Important information

These results are estimates for general information only and do not constitute personal mortgage advice. The calculator uses the property value and deposit entered to estimate the mortgage amount required and your loan-to-value.

Your LTV does not determine mortgage eligibility on its own. The amount you may be able to borrow and the mortgage products available will depend on your circumstances and the lender’s affordability and eligibility checks.

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