Spain · EUR

Spain loan-to-value calculator.

Calculate mortgage LTV, combined secured exposure and home equity, then test proposed borrowing against an editable target.

Current property and secured debt

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Use the relevant valuation or a realistic estimate
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Used for the authorized-exposure ratio

Proposed borrowing scenario

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Editable planning target—not an approval limit
The proposal is compared with an editable 80% LTV target. Low-equity financing may apply above 80%, and approval criteria may be lower.

Property-value sensitivity

How proposed combined LTV changes if the lender-accepted value differs

Value changeProperty valueProposed secured debtCombined LTVHome equityEquity percentage

Planning estimate only—not an appraisal, mortgage approval or Low-equity financing decision. A lender determines the accepted property value and applies borrower, serviceability, property, purpose, product and credit requirements.

Calculate mortgage LTV in Spain

Loan-to-value compares secured mortgage debt with the property value accepted by the bank. This calculator shows mortgage LTV, combined secured exposure, equity and borrowing room at an editable target.

Purchase price and appraisal

Spanish mortgage financing may be assessed against the lower of purchase price and bank-accepted appraisal. Enter a realistic lender value because a lower appraisal raises LTV.

Combined secured debt

Include mortgages and other borrowing secured on the property. Approval and pricing also depend on affordability, credit, property and purpose.