Loan-to-Value (LTV) Calculator
LTV from loan and value with the equity requirement, plus combined LTV when secondary debt sits behind.
Formula
Mezzanine and seller seconds hide behind headline LTV — combined LTV is the honest leverage. At 85% CLTV a 15% value decline erases all equity, which is precisely what 2008 and 2022-23 office repriced into foreclosures.
Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need loan-to-value calculator results fast? Analysts, founders, traders and finance professionals use the Loan-to-Value Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About Loan-to-Value (LTV) Calculator
LTV from loan and value with the equity requirement, plus combined LTV when secondary debt sits behind. Mezzanine and seller seconds hide behind headline LTV — combined LTV is the honest leverage. At 85% CLTV a 15% value decline erases all equity, which is precisely what 2008 and 2022-23 office repriced into foreclosures. The governing relationship is LTV = loan/value; CLTV includes all liens. The Loan-to-Value Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use Loan-to-Value (LTV) Calculator
- 1Enter Property value / price (currency), Senior loan (currency), Secondary / mezz debt (currency) into the Loan-to-Value Calculator.
- 2The result is computed automatically using LTV = loan/value; CLTV includes all liens — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use Loan-to-Value (LTV) Calculator?
- ✓Computes loan-to-value calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the Loan-to-Value Calculator?+
Loan-to-Value Calculator uses LTV = loan/value; CLTV includes all liens. Mezzanine and seller seconds hide behind headline LTV — combined LTV is the honest leverage. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the Loan-to-Value Calculator need?+
Enter Property value / price (currency), Senior loan (currency), Secondary / mezz debt (currency) and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the Loan-to-Value Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. It is for informational and analytical use, not financial advice.
What should I watch out for when using the Loan-to-Value Calculator?+
At 85% CLTV a 15% value decline erases all equity, which is precisely what 2008 and 2022-23 office repriced into foreclosures.
What is the Loan-to-Value Calculator based on?+
The method follows authoritative sources: Bank credit policy — CLTV limits. The formula and references are shown on the page so you can verify and cite the result.
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