Loan-to-Value Calculator
Understand your mortgage loan-to-value.
Enter the property value and deposit to see the estimated mortgage amount, loan-to-value percentage and equity position.
Loan-to-value is one of the figures lenders may consider when assessing a mortgage application.
Your figures
Property details
Adjust the property value and deposit to see how your loan-to-value changes.
Estimated loan-to-value
Loan-to-value
80.0%
of the property value financed
Mortgage
80.0%
Deposit / equity
20.0%
Want to know what this LTV could mean for your mortgage?
An adviser can consider your loan-to-value alongside income, affordability, property details and lender criteria.
Speak to an adviserUnderstanding LTV
What does loan-to-value mean?
Loan-to-value compares the amount being borrowed with the value of the property being financed.
Example
£400,000 property
If you borrow £300,000 against a property worth £400,000, the mortgage represents 75% of the property value.
75% LTV
Equity
The remaining value
In the same example, a £100,000 deposit represents the remaining 25% of the property value.
25% equity
Why it matters
LTV can influence the mortgage options available.
Lenders use loan-to-value alongside affordability, credit profile, property type and other criteria when assessing an application.
Products
Product availability
Different mortgage products may be available at different loan-to-value levels.
Pricing
Interest rates
Mortgage pricing can vary according to the level of borrowing relative to the property value.
Criteria
Lender assessment
Maximum LTV levels can vary depending on the lender, property and individual circumstances.
Important information
A calculation, not a lending decision.
01
The calculator uses the property value and deposit entered to estimate the mortgage amount and loan-to-value.
02
A lender may use its own valuation of the property rather than the purchase price or value entered here.
03
Maximum loan-to-value levels vary between lenders, mortgage products and property types.
04
The calculator does not assess affordability, income, expenditure, credit history or lender eligibility.
05
A lower loan-to-value does not by itself guarantee that a mortgage application will be accepted.
Continue exploring
Other mortgage calculators.
Important information
This calculator is for general information and illustration only. It does not constitute personal financial advice, a mortgage recommendation, an affordability assessment or an offer of lending. Mortgage availability and suitability depend on individual circumstances and lender criteria.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loan secured upon it.
Speak with Intra
Want to understand what your LTV means in practice?
Speak with an adviser about your deposit, property and wider mortgage requirements.