Loan to Value (LTV) Calculator

Loan to value (or LTV for short) is the ratio between the value of a property and the outstanding debts secured on it. Use our online loan to value calculator to work out what percentage of your property value is taken up by your mortgage plus any other loans or charges secured on it.

To use the calculator, enter your figures directly into the corresponding fields & then press 'Calculate'. Your results will appear below the calculator.

Property ValueWhat is the value of the property?

Mortgage BalanceWhat is the outstanding mortgage balance?

Other Secured DebtsHow much is outstanding on any other secured loans?

The results of your calculations

An outstanding mortgage balance of added to other debts secured on the property of gives a total loan balance of which against a property valued at means your Loan to Value (LTV) ratio is

How do you calculate loan to value?

Your loan to value (LTV) ratio is an easy calculation that you can work out for yourself using a pen and paper plus an ordinary calculator. We've also created this infographic to help explain the concept.

First you should add up all of the debts that are secured against your property. These will include your main mortgage, any secured loans as well as any other charges made in a county court (for example, if you do not keep up repayments on an unsecured loan the lender can apply to the court for a charge to be made against your property. When you sell your home, and there's enough equity, the unsecured lender will be repaid their debt).

Then you will divide this figure by the value of your property. So for example, if the total debt secured on your home is £90,000 and the value of your property is £120,000 the LTV ratio is 0.75 (90,000 / 120,000). To turn this ratio into a percentage you simply multiply it by 100. So in the example the LTV will be 75% (0.75 * 100).