{"id":44,"date":"2026-10-11T04:24:37","date_gmt":"2026-10-11T04:24:37","guid":{"rendered":"https:\/\/elementor.ltheme.com\/lt-loan\/loan-to-value-the-one-number-every-lender-starts-with\/"},"modified":"2026-10-16T15:18:57","modified_gmt":"2026-10-16T15:18:57","slug":"loan-to-value-the-one-number-every-lender-starts-with","status":"publish","type":"post","link":"https:\/\/elementor.ltheme.com\/lt-loan\/loan-to-value-the-one-number-every-lender-starts-with\/","title":{"rendered":"Loan to value: the one number every lender starts with"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Loan to value, or LTV, is the loan as a share of the price. Buy a $360,000 home with a $36,000 deposit and you borrow $324,000: an LTV of 90%.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Lenders group their deals in bands: 60%, 75%, 80%, 85%, 90% and 95%. The lower your band, the more lenders lend in it, and each band has its own rules.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Moving from one band to the next can take a smaller change in deposit than people expect. Before you make an offer, it is worth checking how close you are to the line. General information, not advice.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>How the split between deposit and loan decides which lenders you can choose from (sample guide).<\/p>\n","protected":false},"author":1,"featured_media":13,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-44","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-deposits"],"_links":{"self":[{"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/posts\/44","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/comments?post=44"}],"version-history":[{"count":1,"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/posts\/44\/revisions"}],"predecessor-version":[{"id":68,"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/posts\/44\/revisions\/68"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/media\/13"}],"wp:attachment":[{"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/media?parent=44"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/categories?post=44"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/tags?post=44"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}