The Loan to Value Ratio Calculator is an essential financial tool designed to help lenders, real estate professionals, and borrowers determine the lending risk associated with mortgage and secured loan transactions. This powerful calculator instantly compares the loan amount to the appraised value of the asset being financed, providing a crucial metric used in lending decisions. Whether you’re evaluating new mortgages, considering refinancing options, or assessing the risk profile of secured loans, this calculator delivers accurate LTV ratios that inform smart lending choices. Financial professionals can use these calculations to streamline their decision-making process and better advise their clients on loan viability. For businesses and lending institutions, it serves as a valuable risk assessment tool that helps maintain healthy lending practices. Try our free LTV calculator today to make more informed lending decisions and better understand your borrowing position.
The Loan-to-Value (LTV) calculator divides your intended loan by the property’s value, then multiplies by 100 to reveal the risk-critical percentage; U.S. lenders classify ≤80 % as “low-risk” (CFPB, 2022).
This calculator divides your loan amount by the property’s appraised value to show your Loan-to-Value (LTV) ratio; lenders normally require private mortgage insurance when LTV exceeds 80 % (CFPB, 2023).
The calculator divides your loan amount by the property value and multiplies by 100 to show loan-to-value (LTV). An LTV below 80 % lets you avoid private mortgage insurance in most conventional loans (CFPB, 2022). Use it before you borrow, refinance, or price insurance.
