What does LTV (Loan to Value) mean? 🤔 Loan to Value (LTV) is often used in mortgage lending to describe the ratio of the amount you’re looking to borrow to the property’s value. LTV can also be expressed as a percentage of the property’s value 🏡 For example, if you’re looking at a property worth £200,000 and the mortgage lender only considers applications with a maximum Loan to Value of 90%, then you’ll only be able to borrow up to £180,000 (as this is 90% of £200,000) 🏦 The gap between the a