United Kingdom
United Kingdom LTV calculator
Your loan-to-value ratio — the number lenders lean on most to price your mortgage and decide what you qualify for.
Property & deposit
Loan-to-value
85.0%
Borrowing £340,000 against a £400,000 property.
- Your equity from day one
- 15.0%
- Loan amount
- £340,000
UK lenders price deals in LTV bands — you're in the 80–85% band. Each step down (95 → 90 → 85 → 80 → 75 → 60%) usually unlocks a better rate, so getting just under a band threshold can meaningfully cut your cost.
An estimate for planning — not financial advice. LTV is simply the loan divided by the property value; lender rules and thresholds vary.