Loan to Value Calculator

Use Loan to Value Calculator

Figures update as you type. Nothing you enter leaves this tab, and no values are stored.

Loan amountProperty value

Explore finance calculators

Find related browser-local tools for nearby tasks without starting another search.

About Loan to Value Calculator

A loan-to-value calculator works out your LTV ratio - the loan amount as a percentage of the property's value - and the equity you hold. LTV is the number mortgage lenders watch most closely: it decides the interest rate you are offered, whether you need mortgage insurance, and sometimes whether you are approved at all. Knowing it before you apply tells you where you stand. The tool divides the loan by the property value to give the LTV percentage and subtracts the loan from the value to show your equity. Lower is better: many lenders reserve their best rates for 80% LTV or below, and crossing under thresholds like 80%, 85% or 90% can unlock cheaper deals or remove the need for insurance. If you are close to a threshold, a slightly larger deposit or overpayment can pay for itself in a lower rate.

Using Loan to Value Calculator

Enter the outstanding loan amount and the current property value in the same currency.
The tool divides the loan by the property value to show the LTV percentage.
Review the separate equity figure, which is the property value minus the loan amount.

Where loan to value calculator helps

Checking a mortgage

A £240,000 loan on a £300,000 home is 80% LTV, with £60,000 of equity.

Keep valuation and purchase price distinct

For a loan of 180,000 against a value of 240,000, the ratio is 75%. If the value used falls to 225,000 while the loan stays unchanged, it becomes 80%. The calculator uses the value you enter; it does not obtain a lender's valuation or decide borrowing eligibility. When comparing scenarios, state whether your denominator is a purchase price, appraisal or estimate so the ratios are comparable. For a revised valuation, keep the loan balance dated consistently; comparing an old balance with a new valuation answers a different question.

Before you use the result

LTV depends on the property valuation a lender accepts. A changed valuation can move the ratio even when the loan balance stays the same.
It calculates in your browser from the numbers you enter, so a wrong input gives a wrong result - sanity-check the figures.
Nothing is saved between visits; note down or screenshot the result if you need to keep it.

Questions about Loan to Value Calculator

What is a good loan-to-value ratio?

Lower is better - 80% or below often unlocks the best mortgage rates and avoids insurance. The tool shows your exact LTV and equity.

Is my data saved or uploaded?

No. Loan to Value Calculator calculates the result entirely in this browser; the values you enter are not stored or sent to a server.