Loan to Value (LTV) Ratio
Loan Amount ($)
Property Value ($)
LTV ratio shows what percentage of the property value is mortgaged. As equity builds through repayments and price growth, LTV falls, unlocking better mortgage deals.
- 1LTV = Mortgage balance / Property value × 100
- 2Remortgaging at lower LTV tier saves money
- 3Overpayments accelerate LTV reduction
- 4Rising property values also reduce LTV passively
Mortgage £200k, home £280k=LTV = 71.4% — competitive rate territory
| LTV | Rate tier |
|---|---|
| 95% | Highest |
| 90% | High |
| 85% | Above average |
| 80% | Standard |
| 75% | Better |
| 60% | Best |
References
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