Put the mortgage in context
Loan‑to‑value (LTV) expresses a mortgage balance as a percentage of property value. Divide the loan by the value and multiply by 100: €180,000 against €250,000 is 72% LTV. This calculator also looks beyond the main mortgage to show total secured borrowing and the equity remaining in the property.
The valuation can change the picture
Keeping the €180,000 debt but reducing the value to €225,000 raises LTV to 80%, even without additional borrowing. Enter the value relevant to your discussion with the lender. This calculator has a single value field and does not choose automatically between purchase price and appraisal. A homeowner’s estimate is not the same as a lending valuation.
Three ways to measure secured exposure
Main‑mortgage LTV uses only the mortgage balance. Combined LTV adds other secured loans and the drawn balance of any credit line. Authorised exposure uses the credit limit instead, or the drawn balance if that is higher. These perspectives distinguish borrowing already used from the wider exposure created by available secured credit.
Read the proposed scenario carefully
Proposed mortgage and other‑debt amounts replace their current values. The current credit‑line balance remains in the proposed combined ratio. Paydown needed uses current drawn debt, while extra borrowing room deducts authorised exposure. These two results may therefore move differently when you adjust a credit limit.
Targets are comparisons, not approvals
The editable LTV target provides a mathematical ceiling. It does not assess household income or approve further lending. The property value required for a proposal equals proposed debt divided by the target ratio; the associated equity figure is not a deposit calculated from a separate purchase price. Buying taxes and fees are outside the scope of this tool.