What is an LTV Calculator?
It shows how much of your property's value is financed by a loan. With it you can:
- Find your current Loan-to-Value ratio and equity.
- Know the maximum loan available at a target LTV.
- See the equity or down payment needed to stay within a limit.
- Compare your current LTV with your target.
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How is it calculated?
- LTV: (loan + existing loan balance) ÷ property value × 100.
- Maximum loan: property value × target LTV.
- Required equity: property value − maximum loan.
Frequently Asked Questions
What is LTV?
Loan-to-Value is the loan amount as a percentage of the property or asset value.
What is a good LTV ratio?
A lower LTV means more equity and lower risk. Lenders commonly cap home loans at around 75% to 90% depending on the loan size, and other loans at lower limits.
How does a higher down payment help?
It reduces the loan amount, which lowers your LTV, and can improve your chance of approval and rate.
What does the existing loan balance do?
If the asset already has a loan on it, it is added to the new loan to estimate the combined LTV.
Is the result final?
No. It is an estimate. Actual LTV limits depend on lender policy, valuation and your profile.