Borrowing power & loan-to-value calculators
LTV bands (60/75/85/90/95%) drive UK mortgage pricing. Use these calculators to work out your borrowing headroom and which pricing tier your deposit unlocks.
Loan-to-value (LTV) calculator
Enter your figures, then add your name and phone to reveal the result. Free, no credit check.
More borrowing & ltv calculators
Borrowing power calculator
Combines income multiple and deposit into a headline borrowing figure.
Deposit calculator
Deposit needed to hit a target LTV band (e.g. 25% for 75% LTV pricing).
Mortgage amount calculator
Given price and deposit, the loan needed and monthly cost at prevailing rates.
Income multiple calculator
Shows the multiple you're using — under 4.5× is standard, 5× is stretch.
Deposit percentage calculator
Deposit ÷ price to see exactly which LTV band you're in.
Every scenario above depends on lender-specific criteria (income multiples, ICR, stress rates, credit profile). A vetted FCA-regulated broker will run the exact numbers for your situation in one working day.
Frequently asked questions
What's a good LTV in the UK?
60% LTV or lower unlocks the sharpest rates. 75% is a natural sweet spot for BTL. 90–95% is possible for residential first-time buyers but rates step up in bands.
Can I get a UK mortgage above 95% LTV?
Yes, via specialist schemes (Track Record, family springboard, guarantor, 100% JBSP). A broker will confirm which UK lenders currently offer these.
How do UK lenders calculate loan-to-value?
LTV = mortgage ÷ property valuation (not purchase price). Down-valuations are common — a broker can order an upfront desktop valuation to check.
Does a higher deposit always mean a lower rate?
Only across LTV bands — 60%, 75%, 80%, 85%, 90%, 95%. Going from 76% to 74% won't change your rate; from 76% to 74.9% won't either — you need to cross a band.
Are UK mortgages based on price or valuation?
The lower of the two. If you buy at £250,000 but the surveyor values at £245,000, the LTV is calculated on £245,000 and you'll need to top up the shortfall.
What LTV do I need for a UK buy-to-let mortgage?
75% is standard, 80% is available from selected lenders, and 85% BTL exists but is rare and priced accordingly. Below 65% LTV unlocks the sharpest BTL rates.