LTV & equity calculator
Last checked UK · illustrative onlyNot a lender or brokerAboutDisclaimer
RLPublished by Rodway Labs — not a mortgage adviser
Work out your current loan-to-value and equity, how much equity you need to hit a target LTV band, and how a further advance would affect LTV.
Methodology & assumptions · Last checked
Your inputs
Starter figures are UK examples you can edit — replace them with your balance, rate, term and fees. Results update as you type.
Results
Current equity
£150,000
Current LTV
57.1%
Equity to clear to reach 75% LTV
Already at or below target on these inputs
£0
Max further advance under 75%
£62,500
Illustrative only — not personalised financial advice and not an FCA-regulated mortgage recommendation. Check your offer, Key Facts Illustration, and lender terms. Rates, fees and tax rules change. Focus is England & Northern Ireland where tax/SDLT rules apply; Scotland and Wales have different property tax regimes. Full calculator disclaimer.
What to do next
Methodology, equations & assumptions
Last checked . Figures are illustrative; tax and product rules can change. England & NI focus for SDLT-related tools — Scotland (LBTT) and Wales (LTT) differ.
LTV = outstanding balance ÷ property value. Equity = value − balance. Max further advance under a target LTV = (value × target LTV%) − balance.
- User-entered valuation only — not a survey.
- LTV bands affect product availability and pricing; this tool does not quote rates.
Notes & FAQs
- Whose valuation counts?
- Lenders use their own valuation (or automated valuation), which can differ from your estimate or an estate agent’s view.