Enter property value
Add the current property value or purchase price you want to use.
Property
Loan-to-Value (LTV) Calculator
Calculate your mortgage loan-to-value percentage and estimated property equity.
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HOW IT WORKS
How the Loan-to-Value (LTV) Calculator works
Enter mortgage balance
Add the amount currently borrowed or expected to be borrowed.
View LTV and equity
The calculator divides the mortgage by the property value and shows the remaining equity.
COMMON QUESTIONS
Frequently asked questions
What does LTV mean?
Loan-to-value is the mortgage balance divided by the property value, expressed as a percentage.
Can LTV be above 100%?
Yes. If the mortgage balance is greater than the property value, the calculated LTV is above 100% and estimated equity is negative.
Does a lower LTV guarantee a better mortgage rate?
No. Lenders consider many factors and product pricing changes over time. This calculator only measures the ratio.
Should I use purchase price or current value?
Use the value that is relevant to the comparison you are making. A lender may use its own valuation.
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