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This Website is intended to provide general information only and does not attempt to give you advice that relates to your specific circumstances. You are encouraged to discuss your specific requirements with a regulated adviser.

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 calcultor.

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.

The loan to value is the mortgage debt as a percentage of the value of the house against which the debt is secured.

Enter the figures in the boxes below and press 'calculate' to use our calculator and find out your 'loan to value'.

Mortgage Amount (inc. any secured loans) £

Loan to Value (LTV)
House Value £

**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!)

If you are in negative equity it means the debt secured against the house is more than the value of the house.

You may wish to speak to a mortgage adviser to find out your options.


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

This enables advisors to quickly find a product to suit your individual requirements.

Submit some basic information:
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Mortgage enquires are passed to XL Financial Services Ltd who are able to provide help and advice.
XL Financial Services are authorised and regulated by the Financial Services Authority. No. 487823



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

It may be possible to use other funds to reduce the loan to value before taking a new offer if there are sufficient funds available.

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


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