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Loan-to-Value Calculator
How to Use
Enter the property value and loan amount to calculate the Loan-to-Value ratio — the percentage of the property financed by the mortgage. LTV is the single biggest factor in mortgage pricing: dropping below 90%, 85%, 80%, or 75% LTV typically unlocks significantly cheaper interest rates. Use this calculator before applying to understand which rate tier you fall into.
Frequently Asked Questions
❓ Frequently Asked Questions
60% LTV or lower typically gets the best rates. 75%, 80%, 85%, 90%, 95% are common thresholds.
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