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Loan-to-value (LTV) calculator

Your loan-to-value ratio, against a threshold that is actually written somewhere — and what it would take to get under it.

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The Loan-to-value (LTV) calculator turns Loan amount, Appraised value, Purchase price (empty if remortgaging), Threshold to measure against into Loan-to-value ratio, Against that threshold, Extra to pay down to reach it, Or the value the property must reach, Your equity in the property, instantly and for free. For instance, with Loan amount = $240,000.00, Appraised value = $300,000.00, Purchase price (empty if remortgaging) = $300,000.00 and Threshold to measure against = 80 % — United States: mortgage insurance can be cancelled (HPA) it returns Loan-to-value ratio = 80%, Against that threshold = ok and Extra to pay down to reach it = $0.00.

How to use it

  1. Enter your values: Loan amount, Appraised value, Purchase price (empty if remortgaging), Threshold to measure against.
  2. Read the result instantly: Loan-to-value ratio, Against that threshold, Extra to pay down to reach it, Or the value the property must reach, Your equity in the property.

Frequently asked questions

What does the Loan-to-value (LTV) calculator actually compute?

It takes Loan amount, Appraised value, Purchase price (empty if remortgaging) and Threshold to measure against and derives Loan-to-value ratio, Against that threshold, Extra to pay down to reach it, Or the value the property must reach and Your equity in the property from them. The calculation is live as you type, so the result updates on every change.

What information do I need to provide?

4 values: Loan amount ($), Appraised value ($), Purchase price (empty if remortgaging) ($) and Threshold to measure against. Nothing else is required — no account, no file upload.

Can you show a worked example?

With Loan amount = $240,000.00, Appraised value = $300,000.00, Purchase price (empty if remortgaging) = $300,000.00 and Threshold to measure against = 80 % — United States: mortgage insurance can be cancelled (HPA), the calculator returns Loan-to-value ratio = 80%, Against that threshold = ok and Extra to pay down to reach it = $0.00. Those figures come from running this exact tool, so you can reproduce them by entering the same values.

What happens if I enter larger values?

It moves a lot. Using Loan amount = $480,000.00, Appraised value = $600,000.00, Purchase price (empty if remortgaging) = $600,000.00 and Threshold to measure against = 78 % — United States: mortgage insurance ends by itself (HPA) instead, Extra to pay down to reach it goes from $0.00 to $12,000.00 — which is why it is worth testing a few scenarios rather than trusting a single figure.

Which “Threshold to measure against” option should I choose?

You can pick between « 80 % — United States: mortgage insurance can be cancelled (HPA) », « 78 % — United States: mortgage insurance ends by itself (HPA) », « 90 % — Portugal: own and permanent residence (Banco de Portugal) », « 80 % — Spain: housing, mortgage-market ceiling (Ley 2/1981 art. 5) », « 80 % — Italy: credito fondiario ceiling (art. 38 TUB) » and « 60 % — Germany: Pfandbrief cover limit (§ 14 PfandBG) ». Each one changes what the calculator works out, so switch and compare — the default is « 80 % — United States: mortgage insurance can be cancelled (HPA) ».

What does it give for smaller values?

Scaled down to Loan amount = $120,000.00, Appraised value = $150,000.00, Purchase price (empty if remortgaging) = $150,000.00 and Threshold to measure against = 80 % — United States: mortgage insurance can be cancelled (HPA), Or the value the property must reach comes out at $150,000.00. The relationship is worth checking at both ends before you rely on a single result.

When would I actually use this?

Before making an offer: what the bank will lend, what the purchase costs on top of the price, and how much deposit closes the gap.

What is the most common mistake?

Budgeting for the price and forgetting the acquisition costs. Notary fees, transfer duty and registration add between 2% and 15% depending on the country — enough to sink an offer.

How accurate is it, and what are the limits?

Thresholds as published: 80 % and 78 % — Homeowners Protection Act, 12 U.S.C. § 4901 (United States); 90 % and 80 % — Banco de Portugal Recommendation notified to the ESRB on 8 February 2018; 80 % — Ley 2/1981 art. 5 (Spain, mortgage market); 80 % — art. 38 TUB and the CICR resolution of 22 April 1995 (Italy); 60 % — § 14 PfandBG (Germany), a cover-pool limit, not a cap on the borrower. France sets no LTV limit. Estimate only — not financial advice.

What is the difference between the Loan-to-value (LTV) calculator and the Construction loan calculator?

This one returns Loan-to-value ratio and Against that threshold; the Construction loan calculator returns Construction loan amount and Average outstanding balance. That is the whole difference — open the one whose figure you need.

Further reading

All guides →
ExplainerWhat Is Loan-to-Value (LTV), and Which Bands Actually Change AnythingLoan divided by the lower of price and appraised value. The bands at 80, 90 and 95 percent are where pricing steps — and a valuation that comes in low moves you across one without you touching the deposit.ExplainerHow Notary Fees Are Calculated When Buying in EuropeMost of what buyers call notary fees is tax, not the notary. Here is the breakdown on a EUR 250,000 purchase and why an older home costs three times more to transfer than a new one.ExplainerThe Two Ceilings on a Mortgage: France's Usury Rate and Portugal's Debt-Service LimitFrance caps the total cost of a mortgage at one third above the market average, insurance included. Portugal caps the monthly repayment at a share of net income — and on 1 August 2026 it cut that share from 50 % to 45 %. Neither ceiling means what the headline percentage suggests.ExplainerA Construction Loan Is Not a MortgageFunds arrive in stages and interest accrues only on what has been drawn. On a $400,000 facility at 8.5 percent over twelve months, that is $18,062.50 rather than the $34,000 the headline rate implies — 53.13 percent of it.ExplainerFinancing Land Is the Hardest Money to BorrowLarger deposit, shorter term, higher rate, and a balloon at year five. On the same $120,000 plot, the land loan costs $768.10 a month against a mortgage's $606.79 — and demands $18,000 more at closing.ExplainerFHA Loans and the Insurance That Does Not Go AwayAn FHA loan buys a lower entry barrier with a permanent cost. Two premiums: 1.75 percent upfront, financed, which costs $8,616 in interest on a $6,755 charge; and an annual premium that at the minimum down payment runs for the whole term. The break-even against a conventional loan is not a date — it is a PMI rate, and it is 1.26 percent.