Calculate your LTV ratio and discover available mortgage products
Property Details
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Affordability Check
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Cards, loans, car payments
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LTV Analysis
Enter property details to calculate your LTV ratio
0%
60%
75%
85%
90%
95%
LTV Bands & Product Availability (UK Market)
Click any row to expand products
Under 60%
Low
Premium Fixed Rate · Investment Mortgages +3
1.5% - 2.5%
▾
60-75%
Low
Premium Fixed Rate · Tracker Mortgages +2
2.0% - 3.5%
▾
75-85%
Low
Standard Fixed Rate · Tracker Mortgages +2
2.5% - 4.0%
▾
85-90%
Medium
Standard Fixed Rate · Variable Rate +2
3.0% - 4.5%
▾
90-95%
Medium
High LTV Products · 95% LTV Schemes +2
3.5% - 5.0%
▾
95%+
High
95%+ LTV Products · Mortgage Guarantee Schemes +2
4.0% - 6.0%+
▾
Understanding LTV
(Loan Amount ├À Property Value) ├ù 100
Why it matters
Lenders use LTV to assess risk and determine available products
Lower LTV = Better terms
More deposit = lower LTV = better rates and more options
Mortgage Product Types
Fixed Rate Interest rate locked for 2-5 years
Variable Rate Rate changes with Bank of England base rate
Tracker Follows Bank of England rate + lender margin
Discount Percentage off lender's variable rate
Offset Savings interest reduces mortgage interest
Important Information
This LTV calculator provides estimates based on current UK mortgage market conditions. Actual product availability and interest rates may vary based on:
Individual credit profile and credit score
Lender-specific underwriting criteria
Current economic conditions and interest rate environment
Property location and type
Employment status and income stability
Changes in regulatory requirements
This tool is for educational and planning purposes only. Always consult with a qualified mortgage advisor or broker for personalized advice and to confirm your actual borrowing capacity and product eligibility.