Loan to Value Calculator
Calculate your Loan-to-Value (LTV) ratio with our comprehensive calculator. Understand your borrowing power, equity position, and mortgage requirements for optimal financial planning.
Step 1: Property Information
20%
Understanding LTV
LTV (Loan-to-Value) is the ratio of your mortgage to the property’s value. Lower LTV ratios generally mean better interest rates and lower risk for lenders.
Step 2: Loan Information
25 years
4.5%
LTV Impact on Mortgages
LTV below 80% usually qualifies for better rates. LTV above 90% may require private mortgage insurance (PMI) or higher interest rates.
Loan to Value Results
Summary
LTV Visualization
Mortgage Comparison
Your Loan-to-Value Ratio
80%
£280,000 loan on £350,000 property
Risk Level:
Medium
Property Value
£350,000
Loan Amount
£280,000
Down Payment
£70,000
Equity
£70,000 (20%)
LTV Ratio Visualization
Monthly Payment
£1,547
Total Interest
£184,100
Loan-to-Cost
80%
Recommended Max LTV
85%
Mortgage Type Comparison
| Mortgage Type | Typical LTV | Interest Rate | Best For |
|---|
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