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Loan-to-value calculator

The ratio that sets your rate band.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
$

LTV

72.5%

Equity

$110,000

With these inputs, LTV comes to 72.5% over 290000 years. Equity works out to $110,000.

To reach 80% LTV
$0
To reach 60% LTV
$50,000

Over time · by mortgage balance

What moves the number · LTV

Input−10%Now+10%
Property value80.6%72.5%65.9%
Mortgage balance65.3%72.5%79.8%

Solve for an input

Whatmakesequal

Compare scenarios

Save this set of inputs, change something, then save again to compare the outcomes side by side.

The ratio that sets your rate band.

A worked example

Starting figures

Property value
$400,000
Mortgage balance
$290,000

What it returns

LTV
72.5%
Equity
$110,000
To reach 80% LTV
$0
To reach 60% LTV
$50,000

How to read the results

With the defaults above, ltv works out at 72.5%.

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