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Equity & LTV Calculator UK

Check your current home equity, net sale equity, loan-to-value ratio and how much extra borrowing may be available at different LTV bands.

Calculator inputs

Total secured borrowing £180,000.00
Indicative current LTV 72.00%

Equity summary

Current home equity £70,000.00
Current LTV 72.00%
Net equity after sale costs £63,750.00
Status Mid-range LTV
Current property value £250,000.00
Outstanding mortgage balance £180,000.00
Other secured borrowing £0.00
Total secured borrowing £180,000.00
Estimated selling costs £6,250.00

Target LTV check

Max total loan at 75.00% £187,500.00
Available extra borrowing £7,500.00
Projected LTV with request 76.00%
Borrowing request fits? No
Your extra borrowing request would push borrowing above the selected target LTV, based on the value used in this check.
Reference value used £250,000.00
Requested extra borrowing £10,000.00
Projected total loan £190,000.00
Remaining headroom at target LTV -£2,500.00

Additional borrowing by LTV band

LTV band Max total loan Extra borrowing headroom
60.00% £150,000.00 £0.00
70.00% £175,000.00 £0.00
75.00% £187,500.00 £7,500.00
80.00% £200,000.00 £20,000.00
85.00% £212,500.00 £32,500.00
90.00% £225,000.00 £45,000.00
95.00% £237,500.00 £57,500.00

Property value sensitivity

Scenario Property value Equity Net equity after sale LTV
-10% £225,000.00 £45,000.00 £39,375.00 80.00%
-5% £237,500.00 £57,500.00 £51,562.50 75.79%
0% £250,000.00 £70,000.00 £63,750.00 72.00%
+5% £262,500.00 £82,500.00 £75,937.50 68.57%
+10% £275,000.00 £95,000.00 £88,125.00 65.45%

Assumptions & notes

  • Equity is the current property value minus outstanding secured borrowing.
  • Net equity after sale deducts the estimated selling cost percentage entered.
  • Additional borrowing headroom is shown against a target LTV and does not include lender fees, affordability checks or product limits.
  • This is a planning tool only and not a mortgage offer or remortgage decision.

What this equity and LTV calculator does

This tool helps you estimate how much equity you have in your home, what your current LTV looks like, what your equity may look like after estimated selling costs, and how much additional borrowing could fit within a target LTV.

What is equity?

Home equity is the gap between your property value and the total secured borrowing against it. In simple terms, it is the part of the property value you effectively own.

What is LTV?

Loan-to-value, or LTV, shows your borrowing as a percentage of the property value. Lower LTV bands can often open up a wider choice of mortgage products, although pricing and eligibility still depend on lender rules.

Important note

This calculator is for illustration only. It does not include affordability checks, lender policy limits, early repayment charges, product fees or valuation adjustments.

This calculator provides general estimates only and does not constitute financial, tax, or legal advice.