LTV Calculator
Divide your loan amount by the property value to find the loan-to-value ratio, a key number lenders use to judge mortgage risk.
- Free
- No sign-up
Enter the loan amount and property value to see the LTV.
Worked example
With these example inputs:
- Loan amount$240,000
- Property value$300,000
Loan-to-value (LTV): 80.0%
- The remaining share20.0%
- If the first figure were 10% higher88.0%
Frequently asked questions
What is the loan-to-value ratio?
LTV is the loan divided by the property's value, as a percentage. A $240,000 loan on a $300,000 home is an 80% LTV.
Why does LTV matter?
A lower LTV means more equity and less risk for the lender, which can unlock better rates and avoid mortgage insurance. High LTVs often cost more to borrow.