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Deposit and LTV calculator

Enter a property price and either the cash deposit, mortgage amount or desired loan-to-value. The tool calculates the remaining figures and shows arithmetic comparison scenarios.

Price plus one value

Enter the property price, then choose one other figure for the calculator to solve the rest.

The agreed or illustrative purchase price.

What else do you know?

The cash going towards the price.

Illustrative loan-to-value

85.00%

mortgage as a percentage of the property price

Deposit
£45,000.00
Mortgage
£255,000.00
Deposit share
15.00%

Remember: A lender may use its own valuation rather than the agreed purchase price, which can change the LTV.

Compare deposit scenarios

These are arithmetic checkpoints, not product bands or statements of availability.

LTVDepositMortgage
60%£120,000.00£180,000.00
75%£75,000.00£225,000.00
80%£60,000.00£240,000.00
85%£45,000.00£255,000.00
90%£30,000.00£270,000.00
95%£15,000.00£285,000.00

Calculation deposit-ltv@1.0.0. No mortgage rate or lender availability is attached to an LTV.

Assumptions used

  • Property price is used as the value for this illustration.
  • Deposit plus mortgage equals the property price exactly.
  • Figures are calculated at full precision and rounded only for display.
  • Fees, taxes and lender-specific valuation adjustments are excluded.

How the calculation works

Loan-to-value is the mortgage divided by the property value, expressed as a percentage. Deposit percentage is the remainder when the mortgage and deposit exactly cover the entered price.

LTV = mortgage ÷ property price × 100

deposit = property price − mortgage

deposit percentage = 100 − LTV

When desired LTV is the known value, the same equations are rearranged to calculate the mortgage and deposit.

Worked example

For a £300,000 property with a £45,000 cash deposit, the calculated mortgage is £255,000.00, the deposit is 15.00% of the price and the LTV is 85.00%.

The example and interactive form both use calculation version deposit-ltv@1.0.0.

What this result does not tell you

LTV arithmetic does not show whether a mortgage, rate or property is available or suitable. No promotional rates are attached to the scenario rows.

  • A lender may use its own valuation rather than the agreed price.
  • Fees added to borrowing can increase the mortgage and LTV.
  • Taxes and buying costs are not part of the deposit shown here.
  • Shared ownership, equity loans and second charges need a more specific calculation.

Sources and change log

This is an evergreen arithmetic tool with no external rates or thresholds. It does not imply lender availability at any comparison percentage.

20 August 2026: initial three-way deposit, mortgage and LTV solver added with scenario comparisons.

Questions people ask

Does a bigger deposit always mean a lower LTV?

For the same property value and no added borrowing, yes: a larger cash deposit reduces the mortgage share of the price.

Why might the lender calculate a different LTV?

It may use its own property valuation or include fees added to the mortgage, so its mortgage-to-value relationship can differ from this purchase-price illustration.