Loan-to-Value Calculator
Find the LTV ratio from loan amount and property value.
The ratio behind your rate
Loan-to-value is one of the biggest levers on a mortgage: it measures how much you are borrowing against the property’s worth, and lenders price risk directly off it.
A 320,000 loan on a 400,000 property is an 80% LTV — the common threshold below which you avoid mortgage insurance and qualify for better rates. A bigger deposit lowers the ratio.
Useful and private
The calculation runs in your browser, so these figures never leave your device.
Frequently Asked Questions
What is loan-to-value?
The loan amount as a percentage of the property’s value. Lenders use it to gauge risk on a mortgage.
Why does LTV matter?
A lower LTV usually means better rates and no mortgage insurance. Many lenders want 80% or below to avoid extra costs.
How do I lower my LTV?
A larger down payment, or a property that appraises higher, both reduce the ratio.
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