Loan to Value (LTV)

Loan to value is the ratio between the size of the loan you are seeking and the mortgage lender's valuation of the property.

So, if you're borrowing £55,000 on a property valued at £100,000, the LTV is 55% and the lender will feel comfortable you have enough equity in the property for it to be reassured that if you stopped making your interest/capital repayments, it could sell your property and recoup the money you owe.

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We present information which we obtain from independent sources and do not give financial advice. You should check rates and terms with the product provider. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.