Equity and remortgage LTV calculator
Equity and remortgage LTV
See equity, mortgage balance and LTV from your property details.
Project equity and remortgage LTV
Illustrative Explains how this input is used in this illustrative mortgage calculation. Check your mortgage offer or other source document for the exact figure.
£
The amount currently owed on the mortgage at the start of this illustration.
£
Explains how this input is used in this illustrative mortgage calculation. Check your mortgage offer or other source document for the exact figure.
months
Explains how this input is used in this illustrative mortgage calculation. Check your mortgage offer or other source document for the exact figure.
%
Explains how this input is used in this illustrative mortgage calculation. Check your mortgage offer or other source document for the exact figure.
£
An additional payment assumed each month on top of the current mortgage payment.
£
Property and remortgage assumptions ⌄
An illustrative annual change in property value. It is not a forecast and can be negative.
%
The loan-to-value band you want the total secured borrowing to be at or below.
%
Any separate loan secured on the property that is included in total debt and LTV.
£
Projected remortgage LTV
76.2%
Projected equity£71,334
Mortgage balance£228,666
Property value£300,000
£3,666 repayment needed to reach 75% LTV.Known mortgage reduction is shown separately from the assumed property-price movement. The second charge is included in equity and LTV.
Assumptions and limits⌄
Your mortgage payment and rate drive the projected balance. Property-price change is an assumption, not a forecast. Lenders use their own valuation, LTV definition, affordability checks, fees and product criteria.
Known balance vs assumed value
Projection to remortgage
| Current equity / LTV | £60,000 / 80.0% |
|---|---|
| Mortgage reduction | £11,334 |
| Assumed property-value movement | £0 |
| Second-charge balance | £0 |
Property-value sensitivity
How value assumptions affect LTV
| Annual price change | Property value | Equity | LTV |
|---|---|---|---|
| -10.0% | £243,000 | £14,334 | 94.1% |
| -5.0% | £270,750 | £42,084 | 84.5% |
| 0.0% | £300,000 | £71,334 | 76.2% |
| 5.0% | £330,750 | £102,084 | 69.1% |
| 10.0% | £363,000 | £134,334 | 63.0% |