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LTV Calculator
LTVLoan-to-value ratio is the single most important number in private mortgage lending.
Property Details
Use current market value, not purchase price
$
Combined balance of all mortgages on the property
$
Loan-to-Value Ratio
62.50%
Excellent
LTV Band
0%65%75%80%100%
Excellent — 62.50% LTV
Strong equity position. Access to best private rates.
Property Value$800,000
Mortgage Amount$500,000
Equity$300,000
< 65%
Excellent
Best rates, max lender choice
65–75%
Good
Standard private lending range
75–80%
Moderate
Near private lending ceiling
> 80%
High Risk
Premium pricing or declined
This calculator provides estimates only and does not constitute a mortgage offer, pre-approval, or commitment. Actual rates, terms, and eligibility depend on a full review of your application. Consult a licensed mortgage professional for personalized advice.