Loan-to-Value Calculator

BTL LTV limits are stricter: typically max 75% vs 80% for owner-occupied. Higher rate premium. Lender sees pure investment as higher risk (vs owner incentive to pay).

LTV rises. At 80% LTV, a 10% property price drop → 88.9% LTV. Some loans have LTV covenants; breach triggers acceleration. This is "negative equity" risk.

No. LTC is loan / total cost (acquisition + development). LTV is loan / current value. LTC matters at origination; LTV is ongoing risk measure.