LTV Ratio Calculator

LTV = loan ÷ property value. Lower LTV = better mortgage rates — the band boundaries matter.

Result

LTV80%
Loan amount240,000
Equity / deposit60,000
Rate band75–80% — mid
To reach 60% LTVpay down 60,000
To reach 75% LTVpay down 15,000

LTV Ratio Calculator — FAQs

What LTV gets the best rates?

60% or below unlocks the cheapest deals; meaningful steps at 75%, 80%, 90% and 95%. Each boundary crossed typically saves 0.3–0.8%.

Purchase or remortgage?

Same formula both ways — on remortgage use the lender's current valuation, which may differ from what you paid.

Can I get a 100% mortgage?

A few lenders offer 100% LTV products (usually guarantor or track-record mortgages) but at a premium — most buyers need at least 5% deposit.

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