LTV & Equity Position Calculator
Enter your home's estimated current value and what you still owe on your mortgage. We'll work out your loan to value (LTV) percentage and the band it falls into, since that band affects which rates lenders will offer you.
0%
Band
Property value
£0
Mortgage balance
£0
Equity in property
£0
Current LTV
0%
Lenders group borrowers into LTV bands (commonly around 60%, 75%, 85% and 90%) because the lower the band you fall into, the less risk the lender is taking on. If your mortgage balance has shrunk, or your home has risen in value, since you last fixed, you may have moved into a better band without realising it. This is a guide only: your actual rate depends on the lender, product and your wider circumstances.