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Loan-to-Value Calculator UK

Work out an approximate LTV from the property value and either deposit or mortgage amount.

This calculator is for illustration only and provides estimates for general information. It is not mortgage advice, a mortgage offer, a decision in principle or a guarantee of rates, fees, eligibility or savings.

Estimated loan-to-value

90.0%

Deposit shown as: 10.0%

LTV can affect product availability, but lenders also assess affordability, credit profile, property type and wider criteria.

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Email yourself a PDF summary of the figures currently shown on this calculator.

Calculator results are estimates only. Actual rates, fees, eligibility and products depend on your circumstances and lender criteria.

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Frequently asked questions

What does loan-to-value mean? +
Loan-to-value, or LTV, compares the mortgage amount with the property value. For example, a £180,000 mortgage on a £200,000 property is 90% LTV.
Does a lower LTV guarantee a better mortgage rate? +
No. A lower LTV may improve access to some products, but rates and eligibility also depend on lender criteria, affordability, credit history and property details.
Is this LTV result a lender valuation? +
No. It is an estimate from the figures entered. A lender may use its own valuation when assessing a mortgage application.

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Calculator-led mortgage planning

UK Mortgage Calculators is centred on practical estimation tools. The pages help you model cautious scenarios before you decide whether to request a broker or adviser callback.