Mortgage Calculators
Loan-to-Value Calculator
Calculate the loan-to-value ratio on a property, the equity behind it and how much you would need to repay to reach a lower LTV band.
Loan-to-value
80%
- Equity
- $80,000
- Equity share
- 20%
- Repayment needed to reach the target
- $20,000
- Loan
- Equity
How this calculator works
LTV = balance ÷ value × 100
- balance
- the amount still owed on the property
- value
- the lender's valuation, not the asking price
Example calculation
Illustrative example — not advice
Worked example — the loan-to-value calculator as it loads, using the default figures below.
- 01Enter property value: $400,000.
- 02Enter loan balance: $320,000.
- 03Enter target LTV band: 75%.
- 04Read the loan-to-value from the results panel: 80%.
Loan-to-value: 80%. Equity: $80,000. Equity share: 20%. Repayment needed to reach the target: $20,000.
These figures come straight from the calculator above running on the values listed, so you can retype them and confirm every number yourself. Change any input and the results update immediately. Illustrative only — not a quote, offer or recommendation.
Important considerations
- Lenders price in bands, so crossing 80% or 75% can change the rate materially.
- A falling market raises your LTV even if you keep repaying.
Related calculators
- Down Payment CalculatorDeposit required, loan needed and time to save it.
- Mortgage Refinance CalculatorMonthly saving and break-even point on a refinance.
- Home Equity Loan CalculatorEquity available and the repayment on a second-charge loan.
- Mortgage CalculatorEstimate your total monthly mortgage payment and see the amortisation schedule.
- Mortgage Payment CalculatorPrincipal and interest payment on any home loan amount.
- Mortgage Affordability CalculatorHow much house your income and debts realistically support.
Terms used here
Frequently asked questions
Why does LTV matter?
It measures the lender's risk. Lower LTVs attract lower rates and can remove mortgage insurance requirements.
Disclaimer
Legamoney calculators are educational tools. Results are estimates based on the figures you enter and do not constitute financial, tax or legal advice.
Last reviewed 2026-08-01