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LTV
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Loan-to-value calculator

The loan-to-value (LTV) is expressed as a percentage showing the size of your loan in relation to the value of a property and takes your deposit into account.

For example, if your new home is worth £100,000 and you have a 10% deposit (£10,000), then your LTV is 90% and you'll be borrowing £90,000.

Generally, the lower the LTV, the better the mortgage deal.

To work out your loan-to-value, simply take your mortgage amount and divide it by the house value. Then multiply this by 100.

For example, let's say your mortgage amount is £160,000 and your property value is £200,000. £160,000 divided by £200,000 equals 0.8. Multiply this by 100 and your LTV is 80%.

 
 
Lender Initial Rate Duration Standard Rate Overall Cost For Comparison Max Loan To Value Fee
1.99%2 years3.94%3.7% APR60%£1499
2.45%2 years5.69%5.4% APR75%£999
2.49%2 years4.99%4.7% APR70%£499
2.59%2 years5.64%5.1% APR75%£990
2.59%3 Years4.99%4.4% APR60%£598
2.65%3 years5.49%4.8% APR75%Nil
2.65%2 Years5.69%5.5% APR75%£999
2.69%2 years4.99%5% APR75%£795
2.74%To Mar 20144.99%4.8% APR75%Nil
2.89%2 years4.99%4.7% APR75%£795
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