Input your property price
Simply tell us how much the property costs.
LTV calculator
Calculate your Loan to Value ratio today
Understand your borrowing power with our calculator
See how much you'd need to reduce your LTV to the next band
Use our LTV calculator
Our LTV calculator will let you know what your LTV is, and how much you'd have to increase your deposit by to get into the next LTV banding.
How to use the LTV Calculator
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Enter deposit
Input how much deposit you are going to put down on your home purchase.
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Get your results
We'll let you know what your LTV ratio is, and how much extra you'd need to deposit to get into the next band.
What is a Loan to Value ratio?
Loan-to-value ratio (LTV) is a way of measuring how much money you’re borrowing, compared to the total value of your property, and this ratio is commonly expressed as a percentage.
Why does your LTV ratio matter?
In general, lenders reserve their best deals for people with lower LTVs as they are borrowing smaller amounts when compared to those with a high LTV. There’s no minimum LTV, though a lower number is always better. But even if you can’t put together a big deposit, help is still available. There are also several 95% LTV mortgage deals available, which means that your deposit only needs to be 5% of the value of your new home.
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Tell us a few details
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Reviewed on 11 Dec 2025 by
