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Loan to value (LTV) calculator

Calculate the LTV percentage you'll need for your mortgage, based on the property value and amount of deposit or equity you have.
Sam Wilson

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. 

Your LTV determines which mortgage deals you can apply for. You can find out what LTV you need based on your deposit (or equity if you're remortgaging) and property value using our calculator.

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If you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

Which? mortgage calculators

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You can also use our unique research on the best mortgage lenders to see how customers rate banks on everything from the application process to the ease of managing their mortgage online and overall customer service.

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Mortgage service provided by London & Country Mortgages (L&C), Unit 26 (2.06), Newark Works, 2 Foundry Lane, Bath BA2 3GZ. London & Country are authorised and regulated by the Financial Conduct Authority (registered number: 143002). The FCA does not regulate most Buy to Let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage.


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