Mortgages · Your inputs

Loan-to-value calculator UK: mortgage LTV

Calculate mortgage loan-to-value from the loan amount and property value. See the LTV percentage and estimated equity without making a borrowing decision.

Enter your figures

Your estimate

Loan-to-value ratio

80%

Mortgage amount£200,000.00

Property equity£50,000.00

A simple ratio, not a lending decision. Lender valuations and eligibility can differ.

How the loan-to-value calculator uk: mortgage ltv works

LTV = mortgage ÷ property value × 100%. Equity = value − mortgage.

Data basis: mathematical formula using your inputs. Example prices and rates are illustrative, not current market quotes.

Read about data coverage and updates

Worked example: loan-to-value

This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.

Mortgage amount (£): 200,000
Property value (£): 250,000

Loan-to-value ratio: 80%

LTV = mortgage ÷ property value × 100%. Equity = value − mortgage.

Loan-to-value: questions answered

Does a lower LTV guarantee a particular mortgage rate?

No. LTV is one input lenders consider. Credit history, income, affordability, property valuation and product terms can also affect eligibility and pricing.

Plan the next step

House deposit calculator UK: Turn a property price into a clear deposit target.

Mortgage repayment calculator UK: See what your home loan could cost each month.

Browse the mortgages calculators for more tools in this topic.

Using your result

Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.

Explore all 205 UK calculators