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Calculators / Debt / LTV
FREE DEBT CALCULATOR

LTV Calculator

Measure outstanding debt against current property value.

Your assumptions

INDICATIVE RESULT
60.00%
Loan balance€7,200,000
Equity value€4,800,000

Calculated directly from the assumptions shown.

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FORMULA

How the ltv calculation works

Loan to value = loan amount ÷ property value.

Example calculation

€7.2m of debt against a €12m property value equals 60% LTV.

INVESTMENT USE

How professionals use the result

Use LTV for acquisition, refinance and covenant analysis. Match the valuation date and debt balance.

Common mistakes

  • Using gross asset value with net debt inconsistently
  • Ignoring senior debt when testing total leverage
  • Using future value for a current covenant
  • Confusing LTV with LTC
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CONNECTED ANALYSIS

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CONNECTED ANALYSIS

Related financial model

FREE MODEL

Real Estate Refinancing Model

Size a replacement loan and quantify proceeds, debt service, lender return and maturity balance.

CLEAR ANSWERS

LTV Calculator FAQs