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Finance Calculators
Loan-to-Value (LTV) Calculator
Calculate the loan-to-value (LTV) ratio of a mortgage — the loan amount as a percentage of the property's value.
Loan-to-value ratio
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About the Loan-to-Value (LTV) Calculator
Loan-to-value (LTV) ratio compares your mortgage loan amount to the appraised value of the property. Lenders use LTV to assess risk — a lower LTV generally means better loan terms.
Formula: LTV = (Loan Amount ÷ Property Value) × 100
An LTV above 80% typically requires private mortgage insurance (PMI) on conventional loans, since the lender is financing a larger share of the property's value.
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