Loan to Value (LTV) Calculator – Mortgage Calculators

Mortgage Loan to Value (LTV) Calculator

Find out the ‘Loan to Value’ of your house and mortgage using our calculator.

Lenders sometimes offer different rates to people with different ‘loan to value’ (LTV) mortgages so it’s important to know what your loan to value is.

Your loan to value is your mortgage balance shown as a percentage of the value of your home.

By working out your mortgage loan to value you can easily determine if a certain offer you have seen is suitable for your circumstances. For example, if your loan to value is 77% then mortgages with a maximum loan to value of 75% will not be available.

You may be able to reduce your outstanding loan to value before taking a new offer by paying off a chunk of your mortgage with savings, a windfall or inheritance (check with your mortgage lender before you do this as there may be a fee).

Enter your figures in the boxes below and press ‘calculate’.

**If the answer is more than 100% it means you might be in a ‘negative equity’ situation. (or you may have put the numbers the wrong way round!)

Want help with your mortgage? – Use our Mortgage Enquiry Service.

We aim to find you a local mortgage adviser who will give you a call to chat about your options.

We aim to put you in touch with a ‘whole of market’ adviser with access to a mortgage database containing thousands of products which is updated daily and includes high-street and specialist lenders.


Think carefully before securing other debts against
your home. Your home may be repossessed if you do not keep up
repayments on your mortgage.