Calculate your loan-to-value ratio, the single figure lenders use most to price risk. LTV determines your rate, whether mortgage insurance applies, and which products you qualify for.
Lender risk band
standard
Lower LTV usually unlocks better rates. Above 80% typically triggers mortgage insurance.
It measures the lender's exposure. Lower LTV means more of your own money is at risk, so lenders offer better rates.
80% or below generally avoids mortgage insurance. Rates typically improve further at 75% and again at 60%.
Is a 20% down payment really required to buy a home? A data-driven guide to LTV, PMI, low-down loan programs and how deposit size changes your monthly cost, risk and long-term wealth across USA, UK, Canada, Australia and
What is LTV ratio? Learn the loan-to-value formula, worked examples, how LTV drives mortgage rates, PMI and approval risk — and how to lower your LTV before applying.
Disclaimer: This calculator provides estimates for informational purposes only and is not financial, tax, or legal advice. Verify figures with a qualified professional before making decisions.
