Home Equity Calculator
Find your home equity and loan to value from the home value and mortgage balance.
Home equity
Equity as a share of value
Loan to value (LTV)
The formula
Equity = home value - mortgage balance. LTV = mortgage balance / home value x 100. Lenders look at LTV when you remortgage or borrow against your home.
Example: a 400,000 home with a 250,000 mortgage has 150,000 of equity, which is 37.5%, and a 62.5% LTV. Home values are estimates until you sell.
Frequently asked questions
What is a good LTV?
Lower is better. Many lenders offer their best rates below 60% to 80%, depending on the country.
How do I get a home value?
Use recent sales nearby or ask a valuer.
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Last updated October 2026. For information only, not financial advice.