How it works
LTV = first loan/property value ×100. Combined LTV includes all entered secured loan balances.
Input definitions
- Property value
- Enter the value in the labeled unit.
- First loan balance
- Enter the value in the labeled unit.
- Other secured loan balances
- Enter the value in the labeled unit.
A worked example
- Property value
- 200000
- First loan balance
- 140000
- Other secured loan balances
- 20000
Assumptions & limits
Single-currency illustration using your entered amounts and rates, not a recommendation, approval or forecast. No automatic tax rules or market data.
Sources & review
Maintained by AnsRio. Methods and examples use automated checks; this does not imply independent professional certification.
Method updated 2026-10-17. Content checked against the stated method and examples. Our verification approach.
Common questions
Can combined loan-to-value exceed 100%?
Yes. If entered secured balances exceed the property value, combined LTV exceeds 100% and the arithmetic equity amount is negative.
How does Loan-to-value and combined LTV work?
LTV = first loan/property value ×100. Combined LTV includes all entered secured loan balances.
What are the limits of Loan-to-value and combined LTV?
Single-currency illustration using your entered amounts and rates, not a recommendation, approval or forecast. No automatic tax rules or market data.