When to use this calculator
Loan-to-value measures the financed share of a property. The remaining share is equity before selling costs.
Explore the mortgage & property calculators for other questions in this topic. For a related calculation, use the Mortgage Overpayment Calculator: Compare mortgage payoff time and interest with and without a fixed extra monthly principal payment.
PUTTING IT INTO PRACTICE
Loan to Value: a worked example
The values below are an illustrative example, not a recommendation. Replace them with measurements or assumptions that match your question.
| Input | Example value |
|---|---|
| Loan balance | 180,000 |
| Property value | 240,000 |
| Result | 75 % |
- Check the input labels and enter the example values above.
- Apply the relationship: LTV (%) = loan balance/property value × 100.
- The result is 75 %, rounded for display.
How to interpret your result
Uses only entered values and does not determine product availability or lender valuation.
Separate property price, deposit and financed amount. Gross rental yield excludes operating expenses, whereas net yield depends on the costs you include. Equity is an estimated asset value rather than immediately available cash.
Frequently asked questions
Are rental yield and property return the same?
No. Yield measures rental income relative to a property value or cost. Total return can also include changes in value and transaction costs.
When is the loan to value calculator useful?
Loan-to-value measures the financed share of a property. The remaining share is equity before selling costs.
How do I use the loan to value calculator?
Enter loan balance, property value. The result updates automatically. Use the units shown beside each input; the example values illustrate the method.
Which formula does this calculator use?
LTV (%) = loan balance/property value × 100.
What should I check before using the result?
Uses only entered values and does not determine product availability or lender valuation.
How are results rounded?
Scalar numbers display up to six decimal places, with scientific notation for very large or small values. Text, fraction, date and schedule outputs use the format described on the tool. Intermediate calculations use JavaScript floating-point arithmetic. Keep sensible precision for your measurements.
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