Loan-to-Value (LTV) Calculator

What this tool does

LTV is the loan divided by the property's value, and it decides more than whether you get the loan: lower LTV bands usually come with lower interest rates, so a slightly bigger deposit can cut the cost of the whole loan. Lenders use the lower of the price and their own valuation, so if the valuation comes in below the price your LTV rises and the deposit you need goes up. Regulators in many countries cap LTV for home loans — check the limit that applies to you.

Formula

LTV = loan ÷ property value × 100 · deposit = value − loan

Variables

Worked example

Limitations

• This is an informational calculator, not personalised financial advice. Rates, fees, taxes and contract conditions vary between institutions and countries.
• The tool works with whatever currency you use for the inputs; it does not convert between currencies.