Free calculator
Loan-to-Value Calculator | UK
Loan-to-Value Calculator is designed to help you turn a rough question into a clearer estimate you can compare and act on. It works best when you want a fast, comparable estimate before you speak to a lender, provider, adviser, employer, or supplier. Use it as a planning tool rather than a final quote. This version is framed for United Kingdom users where regional assumptions matter, so you can test a few scenarios and see how changes in the main inputs affect the outcome.
Interpretation
What your result means
Use the notes below to understand the main figures in your result and when this calculator is most useful.
When to use this calculator
- When you need a fast estimate before making a bigger decision.
- When you want to compare a few scenarios using the same assumptions.
- When you need a clearer starting point before using a detailed quote or formal document.
LTV
Loan-to-value helps you compare product eligibility and how much lender risk you are carrying.
Equity
Use this metric to compare scenarios side by side and understand how the key drivers affect the final outcome.
Next steps
What to do next
Continue with the most relevant next step based on your result.
Example
A realistic UK planning example
A realistic example to help you understand how the numbers fit together.
Loan Amount ({symbol})
£200,000
Property Value ({symbol})
£250,000
After entering these figures, compare ltv and equity before deciding which scenario looks strongest.
Avoid mistakes
Common mistakes
A few things that often lead to misleading or incomplete results.
FAQ
Frequently asked questions
Helpful answers to common questions about this calculator.
How does the loan repayment calculator work?
This calculator uses the standard amortisation formula to determine monthly loan payments, total repayment, and total interest paid. It divides the loan amount plus accrued interest equally across all monthly payments.
What information do I need to calculate loan repayments?
You need the loan amount (principal), the annual interest rate as a percentage, and the loan term in years. The calculator uses these to determine your fixed monthly payment and total cost.
How accurate is this loan calculator?
This calculator provides accurate estimates for standard fixed-rate loans. It does not include processing fees, early repayment charges, or changes to interest rates. Always confirm exact figures with your lender.
Can I use this for personal and business loans?
Yes, this calculator works for any fixed-rate loan type: personal loans, business loans, car loans, and more. The calculation method is the same regardless of loan purpose.
What does 'total interest' mean?
Total interest is the sum of all interest charges you'll pay over the full loan term. It represents the cost of borrowing and is calculated as: (monthly payment * number of months) - loan amount.
How often should I recalculate my loan?
Recalculate if you're considering early repayment, looking at settlement figures, or want to understand the impact of rate changes on future calculations.
Is my loan data secure?
Yes, all calculations happen in your browser. We do not store or transmit your financial information. See our privacy policy for details.
What simplifications does this calculator make?
This calculator assumes a fixed interest rate and regular monthly payments throughout the term. It does not account for variable rates, payment breaks, or early repayment fees (unless specified separately).
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Guides
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