Loan-to-value (LTV) mortgage calculator

Your LTV will impact what mortgage you get. Use our simple LTV calculator to see what loan-to-value mortgage you'll need.

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You could borrow up to

Loan to value (LTV):


Including your deposit, you could afford a house price up to:

Other fees you may have to pay:

Broker fee (with


Additional fees

Learn more
You may have to pay an early repayment charge if you remortgage.
Your home could be repossessed if you don't keep up repayments on your mortgage.
This calculator is only an estimate of how much you may be able to borrow. Talk to a mortgage broker or lender to get a more accurate figure.


Using our LTV calculator is quick and easy. Simply follow these steps:

  1. Input the value of the home you want to buy

  2. Let us know your deposit amount or how much you want to borrow

  3. We’ll show you your LTV ratio

  4. Use your LTV to shop for mortgage deals

Our LTV calculator works out your loan-to-value ratio. Your LTV shows you how much of the total price of your home you’ll need to borrow from a lender.

So, if you have a 20% deposit, you’ll need 80% to make up 100% of your home’s value. That 80% will be the mortgage amount you borrow from your lender.

Equally, if you have calculated that you need to borrow 60% of your home’s total value, you will need to provide a 40% deposit.

Once you have calculated your LTV you can filter through mortgages for that loan-to-value. 

Keep in mind: 

  • Mortgages with lower LTVs will have lower interest rates

  • There are fewer high-LTV mortgages available

Are you a first-time buyer?

If you're a first-time buyer, please visit our first-time buyer mortgage hub to compare mortgage rates and discover useful information to support your mortgage journey.

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Important info & marketing claims

You may have to pay an early repayment charge to your existing lender if you remortgage. Your savings will depend on personal circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.

*The savings figure of £506 is based on remortgage customers in December 2023. Read more on our marketing claims page.

We can't always guarantee we will be able to help you with your mortgage application depending on your credit history and circumstances.

Average mortgage decision and approval times are based on's historic data for lenders we submit applications to.

Tracker rates are identified after comparing over 12,000 mortgage products from over 100 mortgage lenders.

As of January 2023, has access to over 100 lenders. This number is subject to change.

For buy-to-let landlords, there's no guarantee that it will be possible to arrange continuous letting of a property, nor that rental income will be sufficient to meet the cost of the mortgage.