LTV calculator

When taking out a mortgage loan, the borrower has to provide 20% of the property value in the form of own funds. Or, to put it differently: The loan-to-value ratio must not exceed 80%. Our LTV calculator is an easy and fast way for you to learn whether your loan-to-value ratio is within those limits.

Loan-to-value ratio
The loan-to-value ratio shows the ratio of the mortgage amount to the property value. Almost all providers only accept a loan-to-value ratio of up to 90%.
The value of the property. This value may be different from the purchase price.
The amount of available own funds. Own funds reduce the loan-to-value ratio. Own funds include cash, free assets, life insurance policies as well as assets from the second and third pillar.
Your loan-to-value ratio is

More information on property value and own funds

Property value means the purchase price of the property excluding taxes and fees. Own funds include savings, securities and heritages you want to use for the financing of your mortgage. Your own funds should be at least equal to 20% of the property value. Up to 50% of your own funds can be taken from your pension fund assets.

Amount of mortgage


Amount of mortgage


Own funds

Minimum own funds

Your own funds should be at least equal to 20% of the property value.

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All you need to know about the loan-to-value ratio

When taking out a mortgage loan at a financial institution, certain conditions apply which must be met by the mortgage borrower. One of these concerns the ratio of the customer's own resources to the purchase price of the property. This ratio is called loan-to-value ratio. Usually, at least 20% of the purchase price of the property must be borne by the customer. This means that financial institutions only grant mortgages covering a maximum of 80% of the value of the property, or in other words, the loan-to-value ratio may not exceed 80%. However, this maximum value requires the inclusion of two mortgages: the first mortgage usually covers 65%, while the second mortgage covers the remaining 15%. For persons over 65 years of age, the upper limit of the loan is normally only 65%.

Own funds of the mortgage borrower: these are funds that can be used to finance the property. Such funds include the following sources: savings (eg. bank accounts), sale of securities, inheritance advance, private loans and withdrawal of funds from pillar 3a. Funds from the sources listed are referred to as "real own funds". These must cover at least 10% of the purchase price. The other half of the own funds required may be financed through a pledge or advance withdrawal of pension funds for self-inhabited residential properties.

With our loan-to-value calculator, you only need to enter the value of your dream property and your own resources, and you will find out whether your loan-to-value ratio meets the requirements of mortgage lenders. For a detailed all-round consultation on your mortgage, it is worthwhile to arrange a personal advisory meeting in one of our branches. Our experienced advisors will find the best solution from the offerings of more than 100 providers and define, together with you, the optimal financing strategy for your individual situation. If you would like to benefit from professional, independent mortgage advice, please do not hesitate to contact us! Request advice now.

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