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Mortgage Loan To Value (LTV)

A loan to value (LTV) is found by dividing the value of the mortgage by the value of the property. The LTV will determine the mortgage rate you pay, so knowing it is important. The calculator is only intended to give an indication.
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The loan to value (LTV) is essentially the size of mortgage a lender is prepared to offer you in relation to the value of the property you are buying or remortgaging. It is expressed as a percentage. So, for example, if a lender offers a mortgage deal which has a maximum 80% LTV, that means they will lend you up to 80% of the property value.

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