Mortgages

Loan-to-Value Calculator

LTV is one of the quickest ways to understand the relationship between your mortgage and your property value. This calculator makes the current percentage and the next potential band tangible.

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Your current position

Use the latest mortgage balance and a realistic property valuation.

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Model a change

See what happens after borrowing more or paying a lump sum.

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Your estimate

Use the result as a planning guide and change inputs to test the assumptions that matter most.

How this calculator works

Loan-to-value is the mortgage balance divided by the estimated property value. The calculator adjusts the balance for any extra borrowing or planned lump-sum repayment you enter, then compares the result with common LTV bands.

How to use it

  1. Enter a realistic current property value.
  2. Enter the mortgage balance.
  3. Add any extra borrowing or lump-sum repayment you want to model.
  4. Review the adjusted LTV and equity.
  5. Use the band table to see the balance associated with common LTV thresholds.

Assumptions and limitations

Property value is an estimate until a lender or surveyor accepts a valuation. LTV bands do not guarantee a particular rate or mortgage offer, and lenders may use different valuation methodologies.