Loan to value (LTV) calculator

Calculate the LTV percentage you'll need for your mortgage, based on the property value and amount of deposit or equity you have.
Which? Money Team

Key Information


Advice on mortgage rates

Mortgage rates have rocketed since the government's mini-budget on 23 September.

If you're thinking of buying a home or need to remortgage this is likely to impact you.

For the latest news and advice on dealing with inflated mortgage rates, see the below stories, which are regularly updated:

If you're worried about making your mortgage payments, see our guide on what to do if you can't pay your mortgage.


Loan-to-value (LTV) is the ratio of mortgage to property value, expressed as a percentage. For example, if you're buying a £100,000 property with a £10,000 (10%) deposit, you'll need a 90% LTV mortgage.

You can find out what LTV you need by inputting your deposit (or equity if you're remortgaging) and property value in the calculator below.

More mortgage calculators

Now you've figured out your LTV, you can use these calculators to work out the finer details of your mortgage:

You can browse our full list of mortgage calculators for more help with your move.

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