HELOC LTV Calculator
Lenders cap combined LTV at 80–90% — your mortgage plus HELOC together.
Result
Max HELOC available$102,500
Current CLTV73.3%
Interest-only payment$354.17/mo
Amortised (20yr)$433.91/mo
Home equity$170,000
HELOC LTV Calculator — FAQs
HELOC vs home equity loan?
HELOC is a revolving line you draw as needed (variable rate, interest-only draw period); a home equity loan is a lump sum at a fixed rate.
What's a typical CLTV limit?
80–85% combined loan-to-value is standard; some lenders go to 90% for strong credit profiles.
Need a Custom Tool Built?
We build calculators, estimators and internal tools for businesses in the UK and North America.
Get a QuoteEmbed this HELOC LTV Calculator on your site
Free to use — paste this snippet into any webpage. It auto-resizes and includes a small attribution link. Add ?theme=dark to the iframe URL for dark mode.