## Loan to Value – LTV Calculator

This term is used by the finance industry. It describes the proportion of your home value that your mortgage takes up. Our LTV calculator is an easy and fast way for you to learn whether your loan-to-value ratio is within those limits.

### Loan to Value (LTV) Calculator

The loan to value (LTV) is basically the size of the loan which a lender is willing to offer in relation to the value of the property it buys or redeems.

It is expressed as a percentage. So, for example, if a lender offers a mortgage deal which has a maximum 70% LTV, that means they will lend you up to 70% of the property value.

Mortgage LTVs typically range from 50% up to 95%.

### LTV Ratio Formula

The Loan to Value Calculator uses the following formulas:

**LTV ratio= APV/ MA**

**MA**=Mortgage Amount

**APV**=Appraised Property Value