Work out your loan-to-value ratio - the size of your mortgage as a percentage of the property's value. LTV is one of the biggest drivers of the interest rate you will be offered.
Details
£
£
Loan = value − deposit. A lower LTV usually unlocks a lower interest rate.
Loan-to-value
80.0%
85% band — good range of deals
Property value£250,000
Loan amount£200,000
Deposit / equity£50,000
LTV80.0%
85% band — good range of deals.
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Why LTV matters
Loan-to-value is the loan divided by the property value, expressed as a percentage. A bigger deposit means a lower LTV and less risk for the lender, which usually unlocks lower interest rates. Rates tend to improve at key thresholds - typically 90%, 85%, 80%, 75% and 60% - so nudging your deposit over a boundary can meaningfully cut your rate.
Adding 12,500 more deposit drops you to 75% LTV - often a better rate band.
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Frequently asked questions
What LTV do I need for the best rates?
The sharpest rates are usually reserved for 60% LTV or lower, with meaningful improvements at 75% and 85%. Above 90% LTV, fewer products are available and rates are higher.
Does LTV change over time?
Yes. As you repay capital and (hopefully) the property value rises, your LTV falls - which is why remortgaging into a lower band at the end of a deal can save money.
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Important: BrickCrunch provides general information and estimates only — this is not financial, tax, mortgage or legal advice. Calculations are simplified and your circumstances may differ. UK tax and rate figures are checked against gov.uk (21 June 2026 (2026/27 tax year)) but rates change and errors are possible. Always confirm figures with gov.uk or a qualified professional before making decisions.
