Loan-to-value checker
Your loan-to-value ratio is the percentage of the property's value you're borrowing. Lower LTV usually means access to better rates.
Your current estimate or a recent valuation.
Roughly what's left on the current loan.
65.6%
£210,000 borrowed against £320,000
In the 60–75% band: competitive mainstream pricing.
LTV bands at a glance
≤60%Best mainstream rates available. Sub-60% is the strongest band for pricing.
60–75%Competitive mainstream pricing. Most remortgage borrowers sit in or around this range.
75–80%Still mainstream territory. Choice of lenders remains broad.
80–85%Rates start to step up. Common for movers using a mid-sized deposit.
85–90%Higher-LTV territory. Pricing premium versus lower bands, but plenty of options.
90–95%Typical for first-time buyers. Fewer lenders, tighter affordability tests.
95%+Limited lender appetite. Specialist or guarantor products may be needed.
Could a lower LTV save you money?
Even a small drop into the next band can knock meaningful pounds off your monthly payment. The affordability check shows what your numbers look like today and flags savings worth chasing.
Run the full checkHomecue is an introducer service. These figures are indicative and not a mortgage offer.