Loan-to-value calculator
Compare loan balance with property value in the same currency.
Formula
LTV (%) = loan / property value × 100; equity = value − loan.
Loan-to-value (%) ≈ 100×(200,000)÷(250,000) · Equity (same currency) ≈ (250,000)-(200,000)
How to use
- Enter the loan balance to compare.
- Enter a positive property value.
- Read the LTV percentage and equity.
Examples
- 200,000 debt on a 250,000 property: 80% LTV and 50,000 equity.
Frequently asked questions
What does 80% LTV mean?
The entered debt equals 80% of the property value.
Can LTV exceed 100%?
Yes. The debt then exceeds the property value and equity is negative.
Is this combined LTV?
Only if you enter all secured loan balances together. No lending or insurance threshold is assumed.
Sources
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