UK Loan-to-Value (LTV) Calculator

LTV = loan ÷ property value. UK lenders price by LTV bands; the calculator places your deal in the right tier.

Updated May 2026, using HMRC 2026/27 rates and current ONS / gov.uk figures.

LTV is the most important number in UK mortgage pricing. The lender's risk — and so the rate they charge — correlates directly with how much equity you have.

Worked examples

£300k price, £75k deposit: 75% LTV — near-best mainstream tier.

£300k price, £15k deposit: 95% LTV — high-LTV tier with limited lenders and higher rates.

Sources: FCA mortgage affordability rules · retrieved 2026-05-12.

Frequently asked questions

What's a typical UK rate by LTV?

It varies with the wider mortgage market — rate spreads have widened post-2022. As a rough guide, 60% LTV deals undercut 95% LTV deals by 1-2 percentage points.

How does LTV change after I buy?

It improves as you pay down the loan and (usually) the property's value rises. After 5 years of payments and HPI growth, an 85% LTV mortgage often falls into the 60% bracket on remortgage — meaningful saving.