Loan to Value Calculator

This tool shows your current LTV band, what it would take to move to the next threshold, and how a change in lender valuation affects your position. LTV is not a continuous scale - lenders group it into bands, and being just above a threshold often matters far more than the percentage itself.

LTV bands and why they matter

Small deposit changes near thresholds can affect rates, product availability, and resilience if the valuation shifts.

The valuation sensitivity check

Your LTV is based on the lender's valuation, not the agreed price, which matters most in new-build and incentive-heavy purchases.

When stretching the deposit makes sense

Crossing into a better band can improve your rate, but only if it leaves enough cash for fees and a buffer.