Loan-to-Value (LTV) Ratio Calculator

Calculate Loan-to-Value ratio for a mortgage: LTV = (Loan Amount / Property Value) × 100. Lenders use LTV to determine risk; most residential mortgages require LTV ≤80% to avoid PMI/LMI. Higher LTV means higher rates and additional insurance costs.

Principal ($)
Annual Rate (%)
Years
Compounding / Year
$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.
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How to Use

Enter the values for the scenario you are assessing. Calculate Loan-to-Value ratio for a mortgage: LTV = (Loan Amount / Property Value) × 100. Lenders use LTV to determine risk; most residential mortgages require LTV ≤80% to avoid PMI/LMI. Higher LTV means higher rates and additional insurance costs. Use the ltv ratio result to inform your calculation.

Frequently Asked Questions