Loan-to-Value (LTV) Calculator
Works out your loan-to-value ratio and equity.
Loan-to-value
— %
Share sends a link that reopens these numbers. Copy details pastes the full breakdown as a list.
Equity —
Equity % — %
Pay down to reach the target —
The formula
LTV = loan ÷ value
Lenders use it to judge risk. A lower LTV often means a better rate.
What to watch out for
Lenders set their own LTV bands, so check theirs.
Frequently Asked Questions
What is a good LTV?
80% or below is a common threshold for avoiding mortgage insurance or getting better rates, though it varies by lender.