Calculator
Loan-to-Value (LTV) Calculator
How much of the property is financed, and how close that puts you to a lender’s comfort threshold.
LTV Calculator
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LTV80.0%
80% is the common threshold below which most lenders skip lenders' mortgage insurance / private mortgage insurance. Above it, expect an added premium.
The formula
LTV
LTV is one of the first numbers a lender checks — it drives pricing, mortgage insurance requirements, and in some cases whether a loan is approved at all.
The same math is called LTV in the US and LVR (loan-to-value ratio) in Australia; this calculator swaps the label based on market but the formula is identical.