Favorites

Property

Loan-to-Value Calculator

Enter a property value and one known amount to estimate the loan, deposit, deposit percentage, and mortgage LTV.

App view

Inputs

Property valueStart with the current or purchase price
Known valueUse the deposit, loan amount, or target LTV
Results update automatically

Results

Result Enter values to calculate.
Your result explanation will appear here.

Useful next checks

  • Check the inputs before relying on the result.
  • Try a second scenario to compare outcomes.
  • Read the guide below for context.

Intro

Use this loan-to-value calculator to estimate mortgage LTV from a property value and either a deposit, loan amount, or target LTV. It also shows the implied loan amount, deposit amount, and deposit percentage.

What this calculator does

The calculator works out:

  • Loan-to-value as a percentage.
  • Mortgage loan amount.
  • Deposit or equity amount.
  • Deposit percentage.
  • A plain-English note about the LTV range.

Use it when checking a purchase deposit, remortgage balance, or target mortgage tier.

How it works

Loan-to-value is the mortgage loan divided by the property value:

LTV = loan amount / property value x 100

If you enter the deposit, the calculator subtracts the deposit from the property value to estimate the loan. If you enter the loan amount, it subtracts the loan from the property value to estimate the deposit. If you enter a target LTV, it multiplies the property value by that percentage.

Example calculation

For a 300,000 property with a 60,000 deposit:

  • Loan amount = 300,000 - 60,000 = 240,000.
  • LTV = 240,000 / 300,000 x 100 = 80%.
  • Deposit share = 60,000 / 300,000 x 100 = 20%.

The result is an 80% LTV mortgage estimate.

How to use the result

Use the result to understand how much equity or deposit you have compared with the property value. Mortgage lenders often use LTV bands when pricing products, but LTV is only one part of a mortgage decision.

Compare this with the Mortgage Calculator to estimate monthly repayments and the Stamp Duty Calculator to budget property tax.

Assumptions and limitations

  • Property value is treated as the current value or agreed purchase price.
  • The calculator does not estimate affordability, credit checks, product fees, income multiples, or lender criteria.
  • It does not account for negative equity or borrowing above the property value.
  • Remortgage values should be based on a realistic current valuation.

FAQs

  • Can I use this for remortgaging? Yes. Enter the current property value and mortgage balance as the loan amount.
  • Is a lower LTV always better? Lower LTV usually means more equity, but the best mortgage still depends on rate, fees, term, eligibility, and affordability.
  • Does this include stamp duty or fees? No. It only compares loan, deposit, and property value.

Related calculators

Frequently asked questions

What does LTV mean?

LTV is loan-to-value: the mortgage loan divided by the property value, shown as a percentage.

Is lower LTV always better?

A lower LTV usually means more equity and may improve product choice, but lenders also assess income, credit history, affordability, and the property.

Can I use this for remortgaging?

Yes. Use the current property value and the mortgage balance as the loan amount to estimate remortgage LTV.

FinanceHow to Calculate Loan-to-ValueA clear home-buying guide to loan-to-value, deposit share, remortgage scenarios, and why lenders pay attention to the percentage.FinanceHow to Calculate Mortgage RepaymentsA homeowner-friendly walkthrough of monthly mortgage repayments, why rates and terms matter, and how to test scenarios before you speak to a lender.FinanceMortgage Overpayment vs Offset MortgageA practical comparison of two ways to reduce mortgage interest: paying extra into the loan or linking savings through an offset account.