Loan-to-Value (LTV) Calculator

Most UK lenders structure their mortgage products around these thresholds. Moving into a lower band typically unlocks better rates and a wider product choice.

Moving into a lower band can unlock a better rate. As an illustration only, on a £250,000 mortgage over 25 years a 0.25 percentage-point lower rate works out around £35 a month — but actual savings depend entirely on the rates available to you at the time. Use the Repayment Calculator with live figures to see what a lower band could mean for you.

Lower is better. Lenders offer their keenest rates at 60% LTV or below, and 75% is also considered very strong. Most first-time buyers purchase at 85–95% LTV — rates are higher here but products are widely available up to 95%. A 90% LTV on a £300,000 property means a £30,000 deposit and a £270,000 mortgage.

They always add up to 100%. LTV is the mortgage as a percentage of the property value; deposit percentage is the rest. A 90% LTV means a 10% deposit. A 75% LTV means a 25% deposit. Lenders, brokers, and rate tables typically use LTV — but deposit percentage is often more intuitive when you’re saving up. This calculator shows both so you can switch between them easily.

Yes — switch the toggle to “I’m remortgaging”. Enter your current property value (not the original purchase price) and your outstanding balance. Your LTV will typically have improved since purchase — from capital repayments and property value growth — which often means better rates at remortgage. Many buyers who started at 90% LTV find they’re at 70–75% five years later.

Yes. Standard LTV uses only the core mortgage against the property value. If you add an arrangement fee to your loan, this increases your mortgage amount and therefore your LTV. If that pushes you over a band threshold, you may face slightly higher rates. Confirm the lender’s exact LTV calculation with your adviser before choosing a fee-added option.

Each monthly repayment reduces your outstanding balance, lowering your LTV. If your property’s value also rises, your LTV improves further still. This is why remortgaging at the end of your initial deal often means a better rate — your LTV may have dropped from 90% to 70–80% over five years, crossing multiple band thresholds.

Use the Repayment Calculator →