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Loan-to-Value (LTV) Calculator

Find your loan-to-value ratio.

How to use

  1. Enter your values in the fields above.
  2. Press Calculate to see your result instantly.
  3. Use the Share button to copy a link to your result.

About this calculator

This calculator finds the loan-to-value (LTV) ratio of a mortgage — the loan amount divided by the appraised value or purchase price of the property, expressed as a percentage. Lenders use LTV as a core risk measure: a lower LTV means more borrower equity and usually better loan terms.

Homebuyers use it to see whether they'll need private mortgage insurance (typically required above 80% LTV), and mortgage brokers use it to quickly compare loan offers. Enter the loan amount and the property value to get the LTV percentage instantly.

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