Mortgage & financing

Loan-to-value Ratio Calculator

Compare first-mortgage LTV, combined secured debt, HELOC limits and proposed borrowing against your chosen target.

What this calculator estimates

Measure mortgage debt as a percentage of property value. It combines the inputs below to produce Loan-to-value ratio. Every assumption remains editable so the estimate can reflect the property, financing and location being evaluated.

Worked example

Using the displayed sample assumptions, the calculator produces 70.00%. This is an illustration, not a market quote. Change one input at a time to understand what drives the result.

Inputs and assumptions

• Appraised property value — sample input: 600000 currency units
• Purchase price — optional — sample input: 0 currency units
• First mortgage balance — sample input: 420000 currency units
• Second mortgage balance — optional — sample input: 0 currency units
• Drawn HELOC / secured line balance — optional — sample input: 0 currency units
• Total HELOC credit limit — optional — sample input: 0 currency units
• Other liens — optional — sample input: 0 currency units
• Proposed additional borrowing — optional — sample input: 0 currency units
• Your maximum combined LTV target — sample input: 80 %
• Borrowing / refinance fees — optional — sample input: 0 currency units

How to interpret the result

Compare the payment with your total housing budget, not income alone. Compare a conservative case with an expected case and keep a record of the assumptions used.

Common mistake to avoid

Avoid assuming the lowest advertised rate applies to every borrower. Local definitions, taxes, lending practices and measurement requirements can materially change the result.

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Reviewed 2026-09-08.