Free Online LTV / LTP Calculator
Instantly calculate your Loan-to-Value (LTV) or Loan-to-Price (LTP) ratio. Understand how your deposit size affects your mortgage rates and borrowing options.
Calculate Your Loan-to-Value
Enter the property value and your planned deposit amount below. The calculator will instantly show your LTV ratio, the loan amount required, and what mortgage band you fall into.
LTV / LTP Calculator
Mortgage deposit and loan ratio analysis
Your LTV Results
Based on your inputs above
How to Use This Calculator
Understanding your borrowing position is a crucial first step in the home-buying or remortgaging process.
Enter the Property Value
Input the current market value of the property you wish to buy, or the current valuation if you are remortgaging.
Input Your Deposit
Enter the total amount of cash you have available to put down as a deposit. This includes savings, gifts, or equity from a previous home.
Review Your LTV Band
The calculator instantly shows your LTV percentage and the corresponding mortgage band, helping you understand the interest rates you are likely to qualify for.
Understanding LTV Bands
Mortgage lenders group borrowers into LTV bands. Crossing into a lower band can significantly reduce your interest rate.
| LTV Ratio | Deposit Required | Mortgage Rate Outlook | Borrower Profile |
|---|---|---|---|
| 60% or less | 40% or more | Best available rates | Low risk, highly competitive |
| 75% | 25% | Very competitive rates | Strong financial position |
| 80% – 85% | 15% – 20% | Standard market rates | Average first-time buyer / mover |
| 90% | 10% | Slightly higher rates | Common for first-time buyers |
| 95% | 5% | Highest standard rates | Higher risk, stricter affordability checks |
| 100%+ | 0% or negative | Specialist products only | Requires guarantor or specific schemes |
LTV / LTP Calculator FAQ
Answers to the most frequently asked questions about loan-to-value ratios and mortgage deposits.
The Loan-to-Value (LTV) ratio, sometimes called Loan-to-Price (LTP), is a financial term used by lenders to express the ratio of a loan to the value of an asset purchased. It is calculated by dividing the mortgage amount by the property’s value, expressed as a percentage.
Generally, the lower your LTV ratio, the lower your mortgage interest rate will be. A larger deposit means you are borrowing less relative to the property’s value, which presents less risk to the lender, resulting in more favourable rates.
An LTV of 80% or lower is generally considered good, as it unlocks the most competitive mortgage rates. An LTV of 60% or below is excellent and will typically secure the absolute best rates on the market.
Yes, many lenders offer 95% LTV mortgages, meaning you only need a 5% deposit. However, these mortgages typically come with higher interest rates and stricter affordability checks compared to lower LTV products.