LTV calculator

LTV (loan-to-value) is one of the biggest factors in what remortgage deals you can access. Use this to estimate your LTV and see the band you’re likely to fall into.

Payment calculator Break-even (fees vs savings) Valuation guide

Enter your numbers

Use a realistic current market value.
Your outstanding balance today (approx is fine).
If you want to raise funds, add it here.

What this means

Lenders usually price deals in bands (for example: 60%, 75%, 85%, 90%). Moving down a band can improve the deals you see, but you should still compare by total cost.

If you are close to a band edge, even small changes in valuation or balance can matter. Use this as a planning tool alongside the break-even calculator.

FAQs

LTV (loan-to-value) is the percentage of your property value that you are borrowing. LTV = total loan ÷ property value × 100.

Lower LTV generally means less risk for the lender, so more deals and better rates can be available. Higher LTV can mean higher rates and fewer options.

Use a realistic current market value for your property. For remortgaging, lenders will base their view on valuation evidence, not what you paid years ago.

Yes. If you borrow more, your total loan increases and LTV rises. That can push you into a higher band which can change pricing.

Results

Total loan
£220,000
Balance + extra borrowing.
Your LTV
62.9%
Based on your inputs.
Likely band
70% or less
You are in a strong mid-LTV band. Small changes in value or balance can move you between bands.
Next step: estimate repayments with the payment calculator and compare total cost using break-even.