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Loan to Value (LTV) Calculator

Your loan to value (or LTV for short) is a percentage and one of the many things mortgage lenders consider when you’re borrowing money. It represents the amount of money you need to borrow as a percentage of the value of the property you’re buying. For example, if you’re buying a £200,000 property with a £20,000 (10%) deposit, you’ll need to borrow 90% of the property value, so your loan to value is 90%.

Use the loan to value calculator below to work out what your loan to value will be.

How does my loan to value impact my mortgage?

The more a mortgage lender lets you borrow, the more financial risk they’re taking, so naturally, the higher your loan to value, the higher the mortgage rate you’ll be given.

How can I improve my loan to value?

The main way to improve your loan to value is to increase your deposit; easier said than done, we know! There may be other ways depending on how you’re buying your property.

If you need more help understanding loan to values or anything else on your homebuying journey, join kotini, and one of our home buying champions will give you a call.



Loan to Value (LTV) Calculator - Kotini
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