How the calculation works
Combined LTV = (existing secured debt + proposed loan) ÷ entered property value × 100. Remaining equity before costs = entered property value − total secured debt. This excludes sale, legal, interest, and other costs.
An LTV result is not an approval
There is no universal lending ceiling in this tool. Lender limits, accepted valuations, property type, payment ability, and other requirements can differ. Negative equity or an LTV over 100% is shown plainly rather than hidden.