Calculate your LTV ratio instantly for mortgages, auto loans, and real estate investments.
Use this free LTV calculator to instantly determine the loan-to-value ratio for real estate, auto, or personal loans. The LTV ratio is a crucial figure that helps lenders assess risk before approving a loan or mortgage.
Simply enter your loan amount and the appraised value of the asset. The calculator shows your LTV ratio as a percentage:
A lower LTV typically means lower risk for lenders and better loan terms for borrowers. Most lenders prefer LTVs of 80% or less for mortgage approval.
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Ideal for home buyers, mortgage lenders, real estate investors, and anyone comparing loan offers. Our AI-powered calculator helps you make informed financial decisions quickly and easily.
Loan-to-value — LTV — expresses a loan as a percentage of the value of the asset behind it: the home, car or property the loan is secured on. It is the first number a lender looks at, because it measures how much cushion they have if the loan goes wrong. A lower LTV means the borrower has more of their own money in the deal, which lenders read as lower risk — most lenders prefer an LTV of 80% or less for a mortgage, and a figure below that line often means better rates and fewer conditions. Above it, a loan can still be approved, but it may cost more or come with extra insurance requirements. The calculation itself is one line:
LTV (%) = (Loan Amount ÷ Appraised Value) × 100
This calculator takes your loan amount and the appraised property value and returns the ratio instantly, in US dollars, euros, British pounds, Japanese yen or Indian rupees.
A buyer borrows $240,000 against a home appraised at $300,000: 240,000 ÷ 300,000 × 100 = an 80% LTV — right on the line lenders like, helped by the $60,000 already put down. The same buyer stretching to a $270,000 loan on that home sits at 90% LTV, which is where extra costs and stricter conditions tend to appear; working backwards from 80% is how you find the deposit you actually need. The ratio is not just for mortgages: a $18,000 auto loan on a car valued at $24,000 is a 75% LTV, and a property investor borrowing $135,000 against a $150,000 rental is at 90% — a useful early warning that the deal is thinly cushioned.
Home buyers use it before applying so there are no surprises at the mortgage desk, borrowers use it to compare loan offers on equal terms, and investors use it to keep leverage honest. It runs in your browser and stores nothing. Free, with no sign-up.
Related: estimate the monthly payment on that loan with the Loan Calculator, work out a deposit or equity share as a percentage with the Percentage Calculator, or model the property as an investment instead with the Investment Calculator.
80% or below is the level most lenders prefer for a mortgage. Lower generally means less risk for the lender and can mean better terms for you; higher is still possible but may cost more.
Divide the loan amount by the appraised value of the asset, then multiply by 100: LTV (%) = (Loan Amount ÷ Appraised Value) × 100. A $240,000 loan on a $300,000 home is an 80% LTV.
Yes. LTV applies to any loan secured against an asset with a value — mortgages, auto loans and real-estate investments are the common ones. Enter the loan amount and the asset's appraised value.
No. The calculation runs entirely in your browser; nothing you enter is sent, saved or tracked.