Your Loan-to-Value (LTV) is one of the most important numbers in your mortgage application. It tells lenders how much of the property’s value you’re borrowing, and the lower the LTV, the better your options usually are.
Use our quick and easy LTV Calculator to instantly see where you stand. Whether you’re buying a new home, remortgaging, or investing in a Buy-to-Let property, this tool gives you clarity.
Calculate your Loan-to-Value ratio and see what mortgage rates you qualify for.
| Amount | Percentage | |
|---|---|---|
| Property Value | £300,000 | 100% |
| Mortgage Amount | £270,000 | 90.0% |
| Your Deposit/Equity | £30,000 | 10.0% |
Lauren has a £30,000 deposit for a £300,000 home. That’s a 90% LTV. The calculator confirms she’ll need a lender offering high-LTV mortgages, often with slightly higher rates.
Jake owes £160,000 on a home worth £280,000. His LTV is 57% — meaning he qualifies for 60% LTV rates, some of the lowest on the market.
Ella is buying a rental property worth £200,000 with a £60,000 deposit. Her LTV is 70%, making her eligible for a wide range of Buy-to-Let products at competitive rates.
A: The lower, the better. Under 60% is considered strong, 75% is solid, and 90–95% is fine but may limit your rate options. The LTV affects the interest rate and lender choice.
A: Yes — by increasing your deposit, overpaying your mortgage, or waiting for property value to rise. Reducing your LTV opens better deals.
A: This calculator doesn’t factor in arrangement or valuation fees — just the core mortgage and property value. Ask us if you’d like a full cost breakdown.
A: Yes — the concept of LTV applies across residential and investment lending. We can guide you to lenders that work with your structure.
A: Use an estimated value for now, or ask us for help arranging a desktop or full valuation to firm it up.
Your LTV tells you how lenders see your application — and what interest rates might be available.
Use our free LTV Calculator now, then speak to Mortgage Knight for expert advice on how to reduce your LTV, improve your deal, and access better mortgage rates.
