Quickly Calculate Your Loan-to-Value (LTV)
Use our free LTV calculator to work out your loan-to-value ratio based on your mortgage amount and your property’s estimated value. Your LTV plays a big role in the mortgage deals and interest rates available to you, so understanding it can help you plan your next move with confidence.
Whether you’re buying your first home, preparing to remortgage, looking to borrow more, or simply checking where you stand, this quick calculation gives you a clear snapshot of your current position. Once you know your LTV, you can connect with a trusted mortgage adviser to explore your options and compare the most suitable deals.
Disclaimer: The results from this Loan-to-Value (LTV) Calculator are for guidance only and should not be taken as financial advice. The figures are based on your estimated property value and mortgage balance and may differ from a lender’s assessment.
Mortgage products, rates and eligibility depend on individual circumstances, lender criteria and a full property valuation. For personalised advice, please speak with a qualified mortgage adviser.
Get Matched With a Mortgage Adviser
Connect with a qualified mortgage adviser to discuss your results and explore your mortgage options. Why not try our free Mortgage Adviser Matching Service? It takes less than 90 seconds to complete the form and we’ll do the rest.
Why Your LTV Matters
Mortgage lenders use your LTV to assess risk. Generally, the lower your LTV, the more competitive your interest rates and product choices will be.
For example:
60 percent LTV usually offers access to the best rates
75–85 percent LTV is common for many borrowers
90–95 percent LTV may have fewer options and higher rates
Knowing your LTV helps you understand where you fit within these bands and what deals you might qualify for.
How Our LTV Calculator Works
The calculator instantly estimates your LTV by comparing:
Your current mortgage amount, and
Your property’s market value
It then shows your percentage LTV and what that means in the context of typical lender thresholds.
When to Check Your LTV
It’s especially useful if you’re:
Preparing to buy your first home or move
Remortgaging this year
Considering a product transfer
Thinking about borrowing more
Looking to unlock lower-rate options
Reviewing your long-term financial planning
Frequently Asked Questions
Your loan-to-value ratio is the percentage of your property’s value that is covered by your mortgage. It helps lenders decide which deals and rates you qualify for.
You can calculate your LTV by dividing your mortgage amount by your property’s value and multiplying it by 100.
For example, a £180,000 mortgage on a £300,000 home is 60 percent LTV.
Or you can just use our calculator above!
Lower LTVs usually unlock better rates. Many lenders offer their most competitive deals at 60 percent LTV or below.
Often, yes. Lower LTV means lower risk for the lender, which can lead to cheaper rates and a wider choice of products.
Your current LTV determines which remortgage deals you qualify for. If your LTV has improved, you may be eligible for lower rates.
Yes. Your LTV improves when:
– Your mortgage balance reduces, or
– Your property value increases
Your LTV worsens if property values fall.
Our calculator provides an exact figure based on the details you enter. However, a lender will confirm your LTV after a full property valuation and review of your mortgage details.
An adviser can explain your options, such as reducing your balance, making overpayments (if allowed), or reviewing available high-LTV products.
Yes, our adviser matching service is completely free of charge for people looking for a residential or commercial mortgage adviser, bridging loan broker or equity release adviser.
Your matched adviser will have their own fee structure and will go through this with you in your first meeting. Mortgage Adviser Directory do not set or get involved in the setting of fees for advice.
You are under no obligation to proceed with your matched adviser if you are not happy with their terms of service.
Yes, if you’d prefer to choose your adviser yourself, our directory includes the UK’s best-rated mortgage advisers, commercial mortgage advisers, bridging loan brokers and equity release advisers to help you.