LTV Calculator
Calculate the loan-to-value (LTV) ratio for a property loan.
Calculate
Enter your values below.
Result
Loan-to-value ratio
0
Formula used
LTV = Loan amount ÷ Property value × 100
Example: $280,000 loan on a $350,000 property → LTV = 80%.
How to use this calculator
- Enter Loan amount, Property value.
- Press Calculate to see your result instantly.
FAQ
Frequently asked questions
What does LTV tell a lender?
How much of the property's value is financed versus covered by the buyer's own equity or down payment.
Why does a lower LTV matter?
It generally means less lender risk, which can lead to better interest rates and avoiding mortgage insurance requirements.
What LTV usually requires mortgage insurance?
Often above 80%, though thresholds vary by lender and loan program.
Can LTV exceed 100%?
Yes, if the loan amount is greater than the property's value (sometimes called being 'underwater').