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Loan To Value Ratio

Loan To Value Ratio

Loan To Value, LTV. This is the size of the loan or mortgage as a percentage of the value of the property or price being paid for the property, eg a property valued at $120,000 with a mortgage of $108,000 would have an LTV of 90%.

Loans with an LTV over 80% may require Private Mortgage Insurance (in some cases 75% or 70% when refinancing).

Above 75% LTV, there is generally a .125% (1/8th of a point) increase in the mortgage rate for every 5% in LTV. 

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