Loan-to-value (LTV) is the ratio of mortgage to property value, expressed as a percentage. For example, if you're buying a £100,000 property with a £10,000 (10%) deposit, you'll need a 90% LTV mortgage.
You can find out what LTV you need by inputting your deposit (or equity if you're remortgaging) and property value in the calculator below.
More mortgage calculators
Now you've figured out your LTV, you can use these calculators to work out the finer details of your mortgage:
- Mortgage deposit calculator: find out how long it will take to build up that crucial deposit.
- Mortgage repayment calculator: discover how much your monthly repayments could cost depending on the mortgage deal you find.
- 95% mortgage calculator: see how much you could borrow with a 95% LTV mortgage.
You can browse our full list of mortgage calculators for more help with your move.
Get personalised, one-to-one mortgage advice
If you'd like expert advice on how the LTV will affect your mortgage options, and an impartial recommendation on the best deal for you, call Which? Mortgage Advisers on 0800 197 8461 - or fill out the form below for a free callback.