Calculate your Loan to Value (LTV) ratio and see which mortgage rate tier you fall into — and the LTV needed for better rates.
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How This Works
LTV = (loan amount / property value) × 100. Mortgage pricing tiers: 60%, 70%, 75%, 80%, 85%, 90%, 95%. Each threshold typically marks a step-change in available rates. The difference between 75% and 60% LTV can be 0.3–0.8% in rate, saving £50–150/month on a typical mortgage.
LTV improves when your loan decreases (through repayment or overpayments) or your property value increases. To move LTV tiers: calculate the overpayment needed to hit the next threshold, check if savings on rate will recoup the overpayment (usually yes within 12–24 months). At remortgage, if property value has risen, get a valuation — increased equity may push you into a better LTV tier and lower rate automatically.