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Calculators
Loan-to-value (LTV)

Loan-to-value (LTV) calculator

Estimate your LTV ratio based on your deposit and property value, which affects your mortgage rates and eligibility.

Your details

Property value Enter the purchase price or market value of the property. This figure is used to calculate your Loan-to-Value (LTV) ratio, which affects your mortgage options.

Deposit Enter the amount you plan to put down upfront. A larger deposit lowers your LTV, potentially unlocking better mortgage rates.

Your results

Your loan-to-value is This percentage shows how much of the property’s value you’re borrowing. Lenders often offer better rates for lower LTV ratios.

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TIP: Boosting your deposit lowers your LTV, which could unlock better mortgage rates and reduce monthly payments.

Work out your loan-to-value

Use our loan-to-value calculator to estimate your LTV based on your property value and mortgage amount.

Your loan-to-value shows how much you are borrowing compared with the value of the property. For example, if you buy a £300,000 home with a £60,000 deposit, your mortgage would be £240,000, and your LTV would be 80%.

LTV can affect the mortgage deals available to you. A lower LTV usually means you have more equity or a larger deposit, which may give you access to more competitive mortgage options.

How a loan-to-value calculator can help

Check your deposit position

See how your deposit affects your LTV and where you may sit against common lender thresholds.

Compare different property prices

Adjust the property value, deposit or mortgage amount to see how each change affects your LTV.

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Understand your mortgage options

Get a clearer starting point before checking how your LTV could affect rates, products and lender choice.

Compare mortgage options across 100+ lenders

Muttuo Mortgages can compare options across 100+ lenders, helping you review rates, deposit requirements, fees and lender criteria before you decide your next step.

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Your loan-to-value questions answered

Loan-to-value, often shortened to LTV, shows the size of your mortgage compared with the value of the property.

For example, if a property is worth £300,000 and your mortgage is £240,000, your LTV would be 80%.

You divide the mortgage amount by the property value, then multiply by 100.

For example:
£240,000 mortgage ÷ £300,000 property value × 100 = 80% LTV.

LTV matters because lenders use it to help assess risk.

A lower LTV usually means you are borrowing a smaller share of the property value. This may give you access to more mortgage options or more competitive rates.

Usually, a lower LTV can be helpful because it means you have more equity or a larger deposit.

However, the best mortgage deal still depends on other factors, including affordability, credit profile, mortgage type, fees and lender criteria.

There is no single “good” LTV, but common mortgage bands include 95%, 90%, 85%, 80%, 75% and 60%.

Moving into a lower LTV band can sometimes improve the deals available, although this depends on market conditions and lender criteria.

Yes. Your LTV can change if your property value rises or falls, or if your mortgage balance reduces over time.

For example, if you repay part of your mortgage or your property value increases, your LTV may fall.

Your results are for guidance only

Your results are for guidance only and are based on the information you enter. They are not a mortgage offer, approval in principle or financial advice.

Your actual loan-to-value may depend on the property valuation accepted by the lender, your mortgage balance, deposit amount, fees added to the loan and wider lending criteria.

Mortgage rates, products and LTV bands can vary between lenders. You should compare the full mortgage cost, including rates, fees and product terms, before choosing a deal.

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