LTV & Deposit Calculator
Work out the loan-to-value ratio and deposit for a property purchase. Enter the purchase price and any one of the three inputs — the other two are derived automatically.
Enter purchase price and input
LTV, deposit amount, and loan amount will appear here.
Frequently asked questions
What is loan-to-value (LTV)?
LTV is the mortgage loan expressed as a percentage of the property's value. A £225,000 loan on a £300,000 property is 75% LTV, meaning the remaining 25% is covered by your deposit.
How much deposit do I need for a buy-to-let mortgage?
Most buy-to-let lenders require a minimum deposit of 20–25% of the purchase price, giving a maximum LTV of 75–80%. Some lenders offer higher LTVs, typically at a higher interest rate.
Does a lower LTV get me a better mortgage rate?
Generally yes. Lenders price risk by LTV band, so a bigger deposit — a lower LTV — usually unlocks a lower interest rate, up to a point of diminishing returns.
Can I use equity from another property as a deposit?
Yes, many buy-to-let investors release equity from an existing property via remortgaging to fund a deposit on the next purchase. Lenders will assess affordability across both properties.