LTV
Calculator
Calculate your loan-to-value ratio instantly. Understanding your LTV helps you find the best mortgage rates—read our guide What is LTV? Try the LTV calculator below.
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How this calculator works
Enter the property value and the mortgage (or loan) amount. The calculator works out your LTV percentage, your deposit (or equity) and which LTV band you sit in. Use it to see how a bigger deposit or a different loan size affects your LTV and to compare yourself to typical UK mortgage rate tiers (e.g. 60%, 75%, 90% LTV).
LTV Calculator
Understanding
Loan-to-Value
Loan-to-Value (LTV) is the ratio of your mortgage amount compared to the property's value, expressed as a percentage. For example, if you're buying a £200,000 property with a £160,000 mortgage, your LTV is 80%.
LTV is one of the most important factors lenders consider when assessing your mortgage application. Lower LTVs typically mean better interest rates because the lender faces less risk — you have more equity in the property.
LTV rate bands
≤60%
Best rates
Lowest interest rates available
75%
Competitive
Strong range of products
90%
Higher rates
Fewer products, stricter criteria
95%
Limited options
Specialist lenders may help
“Moving into a lower LTV band often unlocks better rates and more products. Even a small increase in your deposit can make a big difference.”
Most lenders offer their best rates at 60% LTV or below, with competitive products available up to 75% LTV. Above 90% LTV, options become more limited and rates increase significantly. Understanding your LTV helps you plan your deposit and find the most suitable mortgage products.
Speak to an Expert
Our calculators give you a useful estimate, but your actual mortgage and protection options depend on your full circumstances, credit history and lender criteria. Clearview Mortgage Solutions’ FCA regulated—our CeMAP-qualified advisers are on hand to explain how each calculator applies to you and to help you compare real mortgage quotes from 90+ UK lenders.
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Calculate Your
LTV Ratio
Understanding your loan-to-value ratio helps you find the best mortgage rates. What is LTV? →