LTV Calculator

Calculate your loan-to-value ratio and discover available mortgage rates

Current market value or purchase price
Amount you want to borrow
Will be calculated automatically

Understanding Loan-to-Value (LTV)

What is LTV?

LTV is the percentage of the property value you're borrowing. Lower LTV means:

  • Lower interest rates
  • More lender choice
  • Better mortgage terms
  • Lower monthly payments

Key LTV Thresholds

  • 60% LTV: Best rates and terms
  • 75% LTV: Still excellent rates
  • 85% LTV: Good rates available
  • 90% LTV: Higher rates, fewer options
  • 95% LTV: Limited choice, highest rates

For Remortgaging

Your LTV may have improved if:

  • Property value has increased
  • You've paid down the mortgage
  • You've made overpayments
  • Home improvements added value

Special Schemes

  • First-Time Buyers: 95% LTV available
  • Help to Buy: Effective higher LTV
  • Shared Ownership: Lower effective LTV
  • Guarantor Mortgages: May exceed 95%

Related: Use our affordability calculator and stamp duty calculator for complete property costs.