Welcome to LTV Calculator UK. By using this website and its calculator, you agree to the following terms and conditions. Please read them carefully before continuing to use our site.
1. Purpose of the Website
The purpose of this website is to provide an online calculator that estimates your loan-to-value (LTV) ratio based on the figures you enter. It is designed for general informational use only. The calculator does not provide tailored financial, mortgage, or investment advice.
2. Accuracy of Information
Actual figures may differ, as lenders may use their own property valuations, criteria, and calculations when assessing applications.
The calculator uses a standard LTV formula: (Mortgage Amount ÷ Property Value) × 100.
While every effort has been made to ensure accuracy, the results are only as reliable as the information you input.
3. No Financial Advice
This site does not act as a mortgage broker, lender, or financial adviser. Nothing on this website should be interpreted as financial advice.
- For personalised advice, please consult an FCA-regulated mortgage adviser.
- We do not recommend or endorse specific mortgage products or providers.
4. User Responsibilities
By using this website, you agree to:
- Enter figures honestly and accurately.
- Accept that the calculator provides estimates only, not guarantees.
- Use the website only for lawful purposes.
You also agree not to misuse the site, attempt to disrupt its functionality, or use the results for misleading purposes.
5. Liability
Neither LTV Calculator UK nor its owner, Miles Ainsworth, accepts liability for any:
- Financial decisions made based on the calculator results.
- Losses, damages, or costs arising from use of the website.
- Errors, omissions, technical failures, or downtime.
Your use of the calculator is entirely at your own risk.
6. External Links
This site may contain links to third-party websites, such as mortgage guides or government schemes. These are provided for informational purposes only. We are not responsible for the content, accuracy, or privacy practices of external sites.
7. Intellectual Property
All content on this website — including text, design, and calculator functionality — is the property of LTV Calculator UK unless otherwise stated. You may not copy, reproduce, or distribute our content without permission.
8. Amendments
We may update these Terms and Conditions at any time without notice. Continued use of the site after updates are published will be taken as acceptance of the revised terms.
9. Governing Law
These terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from use of this site shall be subject to the exclusive jurisdiction of the courts of England and Wales.