Finance / CALCULATOR

Combined Loan-to-Value

Combined Loan-to-Value: a supplied-input model with explicit assumptions and a worked example.

Runs on your deviceUpdates as you typeFormula & example ↓
01

Your inputs

Adjust the values to explore a different result.

Enter first secured loan balance.
Enter other secured balances.
Enter property value.

Formula

CLTV=(first loan+other secured balances)/property value.
  • Use the units shown beside each field.
  • Results update automatically whenever you change an input.
  • Displayed values use up to four decimal places, or scientific notation for very small or large numbers. Calculations use standard floating-point arithmetic; exact integer and fraction tools identify their own precision rules.
  • Uses outstanding balances; a lender’s HCLTV may instead include full credit-line limits. No underwriting decision.

Example Calculation

Example inputs
  • First secured loan balance: 150000
  • Other secured balances: 30000
  • Property value: 240000

First secured loan balance = 150000; Other secured balances = 30000; Property value = 240000. The primary result is 75.

Frequently asked questions

How do I use this calculator?

Enter first secured loan balance, other secured balances, property value. The result updates automatically. Use Reset to restore the example values.

What method does it use?

CLTV=(first loan+other secured balances)/property value.. Uses outstanding balances; a lender’s HCLTV may instead include full credit-line limits. No underwriting decision.

Why might a rounded result differ?

The calculation keeps full numeric precision internally, then rounds the displayed result. Rounding intermediate steps by hand can produce a slightly different answer.

Are my inputs saved online?

No. This calculator processes your inputs in your browser. A recently used list stores only calculator names on this device, not your entered values.

Check the assumptions and units before using this result. Read about calculation methods.