--- title: "Loan-to-Value (LTV) Calculator UK 2026 — Best Rate Band | First Rung Now" description: "Free UK LTV calculator (2026). Work out your loan-to-value, deposit percentage and rate tier — then compare UK mortgage deals with a free vetted broker." lang: en-GB json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "First Rung Now", "url": "https://firstrungnow.com", "description": "Independent UK mortgage education and broker matching service.", "address": { "@type": "PostalAddress", "addressCountry": "GB" } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "First Rung Now", "url": "https://firstrungnow.com" }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "What's a good LTV in the UK?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "Can I get a UK mortgage above 95% LTV?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, via specialist schemes (Track Record, family springboard, guarantor, 100% JBSP). A broker will confirm which UK lenders currently offer these." } }, { "@type": "Question", "name": "How do UK lenders calculate loan-to-value?", "acceptedAnswer": { "@type": "Answer", "text": "LTV = mortgage ÷ property valuation (not purchase price). Down-valuations are common — a broker can order an upfront desktop valuation to check." } }, { "@type": "Question", "name": "Does a higher deposit always mean a lower rate?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "Are UK mortgages based on price or valuation?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "What LTV do I need for a UK buy-to-let mortgage?", "acceptedAnswer": { "@type": "Answer", "text": "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." } } ] } ] --- [Skip to content](#main) [![First Rung Now](/assets/logo-mark-BqLOgqvj.png) First Rung Now UK Mortgage Guides ](/) - Mortgages - Remortgages - Buy To Let - Bad Credit - Calculators - Guides - [Find a Broker](/find-a-mortgage-broker) - [About](/about) [Speak to a Vetted Broker](/find-a-mortgage-broker) 1. [Home](/) 2. [Calculators](/calculators) 3. Borrowing & LTV Borrowing & LTV Calculators # 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. Property price (£) Deposit (£) Get your result & a free broker sense-check Add your name and phone (required) — we'll show your figures and optionally match you with a vetted FCA-regulated broker. No spam, no credit checks. Your name \* Phone number \* Email (optional) I'd like to be matched with a vetted broker for a free, no-obligation chat. Untick if you only want the calculation. Show my result By submitting you agree to our [Privacy Policy](/privacy-policy). ## More borrowing & ltv calculators ### Borrowing power calculator Combines income multiple and deposit into a headline borrowing figure. [Ask a broker to run this](/find-a-mortgage-broker) ### Deposit calculator Deposit needed to hit a target LTV band (e.g. 25% for 75% LTV pricing). [Ask a broker to run this](/find-a-mortgage-broker) ### Mortgage amount calculator Given price and deposit, the loan needed and monthly cost at prevailing rates. [Ask a broker to run this](/find-a-mortgage-broker) ### Income multiple calculator Shows the multiple you're using — under 4.5× is standard, 5× is stretch. [Ask a broker to run this](/find-a-mortgage-broker) ### Deposit percentage calculator Deposit ÷ price to see exactly which LTV band you're in. [Ask a broker to run this](/find-a-mortgage-broker) 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. Why we ask for your details Calculators are educational. A free broker sense-check turns them into something actionable — specific to your credit profile, income type and lender criteria. ### Speak with a vetted broker Free introduction to an FCA-regulated adviser experienced in your scenario. 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