France · EUR

France 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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€
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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 France

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

French lender valuation

A lender may use its own valuation rather than an owner estimate or asking price. A lower accepted value increases LTV and reduces borrowing room.

Combined secured debt

Include mortgages and other borrowing secured on the property. Unused secured credit limits may also be relevant to an application.

Use LTV as a planning measure

The selected target is not a universal French approval threshold. Pricing and approval also depend on income, debt ratio, borrower insurance, credit profile, property and purpose.