LTV Calculator UK (Loan to Value)
This LTV calculator UK divides your mortgage by the property value: a £200,000 loan on a £250,000 home is 80% LTV, with £50,000 (20%) as deposit or equity. It also shows the deposit you would need to reach a lower LTV band, where rates are usually cheaper.
- LTV formulaloan ÷ value × 100
- Best rates60% LTV or less
- Low-deposit loans90% – 95% LTV
Updated November 2026 · Rate examples checked October 2026
Calculate your loan to value
Your result
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How to calculate loan to value
Loan to value (LTV) = mortgage amount ÷ property value × 100. A £200,000 mortgage on a £250,000 home is 200,000 ÷ 250,000 × 100 = 80%. Your deposit (or equity, if you already own) is the rest: 20%. When buying, lenders use the lower of the purchase price and their own valuation.
Deposit needed for each LTV band
| Property price | 95% LTV | 90% LTV | 85% LTV | 75% LTV | 60% LTV |
|---|---|---|---|---|---|
| £150,000 | £7,500 | £15,000 | £22,500 | £37,500 | £60,000 |
| £250,000 | £12,500 | £25,000 | £37,500 | £62,500 | £100,000 |
| £350,000 | £17,500 | £35,000 | £52,500 | £87,500 | £140,000 |
| £500,000 | £25,000 | £50,000 | £75,000 | £125,000 | £200,000 |
Mortgage rates by LTV band
Lenders price mortgages in LTV bands, usually at 60%, 75%, 80%, 85%, 90% and 95%. Dropping into a lower band can cut your rate. In early October 2026 the lowest two-year fixes quoted were around 4.9% at 60% LTV, about 5.5% at 90% and from about 5.5% to 5.9% at 95%, while the average two-year fix across all LTVs was 5.96% (Moneyfacts, 15 October 2026). These are indicative and change often.
Ways to lower your LTV
- Save a bigger deposit, or use a gift from family (lenders need a gifted deposit letter).
- Overpay before your fixed rate ends so you remortgage in a lower band.
- Rising house prices lower your LTV over time; ask your lender for a new valuation when remortgaging.
- Improvements such as an extension may add value, but check the cost against the gain.
Why LTV matters beyond the rate
Your LTV also affects how much you can borrow and how exposed you are if prices fall. At 95% LTV a 5% fall in value would wipe out your equity, which can make it hard to remortgage or move. Lenders recalculate LTV each time you remortgage, so paying down the loan and any rise in value both help you onto better deals over time.
Frequently asked questions
What is a good LTV for a mortgage?
60% or less usually gets the lowest rates, and 75% is close behind. At 90% to 95% there are fewer deals and higher rates.
How do I work out my LTV?
Divide your mortgage by the property value and multiply by 100. For example £180,000 ÷ £240,000 × 100 = 75%.
What LTV do I need to remortgage?
There is no single limit, but most remortgage deals go up to 90% or 95% LTV. A lower LTV gets better rates.
Is 80% LTV good?
It is mid-range. You will get a wider choice than at 90%, but moving to 75% could lower your rate.
Sources and method
We use official UK guidance and recognised formulas, and test each calculator against worked examples. Results are estimates to help you plan, not professional advice. See how we work.