Work out loan against property instantly with clear inputs, formula shown and shareable results.
A loan against property is secured on real estate you already own, so lenders advance a set share of market value. The loan-to-value cap protects the lender against a fall in value and forced-sale costs.
LTV based sizing
Loan = market value × LTV; EMI = PMT(loan, r, n)
Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.
Mortgages on a purchase are priority-funded and closely valued; a cash-out loan is riskier, so lenders keep a wider cushion.
The lender can ask for extra security or a part payment if the agreed LTV is breached.