Equity & LTV Calculator UK
This equity and LTV calculator helps UK homeowners estimate how much equity they have in a property, what their current loan-to-value ratio looks like, and how selling costs or additional borrowing could change the picture. It is useful if you are planning a remortgage, thinking about moving, or checking how much equity may be available.
What this calculator includes
- Current property value
- Mortgage balance and other secured borrowing
- Estimated net equity after selling costs
- Current loan-to-value ratio
- Target LTV testing for extra borrowing headroom
- Optional alternative property value scenario
How it works
The calculator subtracts your mortgage balance and any other secured borrowing from the property value to estimate gross equity. It can then reduce that figure by estimated selling costs to show net sale equity. Your LTV is calculated by dividing total secured borrowing by the property value, expressed as a percentage.
If you enter a target LTV, the tool also estimates the maximum borrowing that may fit within that band and compares it with any extra borrowing amount you want to test. This gives you a simple way to see whether a remortgage or further advance might still sit inside a chosen LTV threshold.
Why results may vary
Real lender decisions do not rely on LTV alone. Approval can also depend on affordability, income, credit history, lender criteria, fees, early repayment charges and the lender's own valuation of the property. That means this calculator is best used as a planning tool rather than a borrowing decision.
Who it’s for
- Homeowners checking how much equity they have built up
- People considering a remortgage or product transfer
- Borrowers exploring further advances or home improvements
- Home movers estimating net equity after selling costs
- Anyone watching how changes in property value affect LTV
Equity and LTV examples
- A £300,000 property with a £210,000 mortgage has an LTV of 70% before any extra borrowing.
- A £250,000 property with £150,000 secured borrowing has £100,000 gross equity before selling costs.
- If selling costs reduce net proceeds, your usable equity for a move may be lower than the headline equity figure.
Important note
This calculator provides estimates only and does not constitute financial, mortgage, tax, or legal advice. For lender-specific borrowing limits or remortgage decisions, always check the product criteria or speak to a qualified adviser.
Use the calculator above to test your current position and see how property value, borrowing and target LTV bands affect your options.