LTV Calculator
Work out your loan-to-value ratio from your property value and deposit, see which LTV band you fall in, the indicative rate, and how much more deposit reaches the next band.
Work out your loan-to-value
Value minus deposit
Need £17,500 more deposit to reach 71-75% LTV and unlock lower indicative rates.
| LTV Band | Indicative Rate | Notes |
|---|---|---|
| <=60% LTV | from ~4.15% | Best rates - widest lender access |
| 61-70% LTV | from ~4.30% | Excellent rates |
| 71-75% LTV | from ~4.45% | Competitive - most BTL max |
| 76-80% LTV - you are here | from ~4.65% | Good choice of products |
| 81-85% LTV | from ~4.90% | Some lenders only |
| 86-90% LTV | from ~5.20% | Limited products, higher rate |
| 91-95% LTV | from ~5.60% | Very limited - first-time buyers mainly |
| Above 95% | Very limited | Near-impossible without specialist schemes |
Loan amount: £280,000 on a £350,000 property.
An estimate only. Indicative rates are illustrative and depend on the lender, product type, credit profile and the wider market.
Why LTV matters
Loan-to-value is the single biggest driver of the rate you are offered and how many lenders will consider you. A lower LTV means the lender is taking less risk, so it rewards you with a cheaper rate and a wider choice of products. As your LTV climbs, the pool of available products shrinks and the price rises.
Adding to your deposit can tip you over a band boundary into the next pricing tier, where the rate steps down. Even a few thousand pounds can move you from one band to a cheaper one, so it is worth checking how close you are before you apply. The rates shown here are illustrative only - they are a guide to how pricing changes by band, not a quote.
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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR PROPERTY. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. This information is for general guidance only and does not constitute financial advice or a mortgage offer. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Doulton Bridging Finance is a trading style of Doulton Money Ltd. We work with FCA-authorised partners to source mortgage finance from a panel of specialist lenders.