LTV Calculator
The loan-to-value ratio lenders watch.
Runs locally in your browser — your numbers never leave this pageTry: Loan amount=240000, Collateral value=300000 → $240,000, $300,000, 80.00%
How to use
LTV is the loan size relative to the asset value. Lower LTV means more equity and less risk, often a better rate.
Formula
LTV = Loan / Value
FAQ
Why do lenders care?
High LTV means little owner equity to absorb a price drop.
What LTV needs mortgage insurance?
Often above 80% on home loans.
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