LTV Calculator
Calculate your mortgage loan to value and property equity.
Loan to value
70%
- Equity
- £90,000.00
v1.0 · Reviewed September 2026
How this is worked out
Loan to value is the mortgage balance ÷ the property value, as a percentage. Equity is the value less the balance.
Worked example
- Property value £300,000
- Mortgage balance £210,000
210,000 ÷ 300,000 × 100
70%, leaving £90,000.00 of equity
Assumptions and limits
- Lenders price in bands, commonly 60%, 75%, 80%, 85% and 90%, so being just above a band boundary can cost noticeably more.
- Uses the value you enter. A lender relies on its own valuation, which may be lower than your estimate.