The Property Vault Podcast - 046 - What is LTV?

In this podcast episode, hosts Dan Hulbert and Amy Rowlinson discuss the importance of understanding LTV (loan to value) in your property business. The property industry is full of TLAs (three letter acronyms) and LTV is one of them! What is LTV? It is Loan to Value and is a financial term used by lenders, banks and building societies to express the ratio of a loan to the value of the asset purchased. To work out the LTV, simply divide the amount you are looking to borrow by the total value of the property and times by 100 and this will give you the LTV %. e.g. House values up at £100,000. Loan is £70,000. Therefore, the LTV is 70%.  Dan and Amy recommend speaking to a mortgage broker to get specific advice because choosing the LTV gearing and the particular mortgage products all depends on your personal circumstances and your appetite towards risk.  ABOUT THE HOSTS ABOUT DAN HULBERT Dan Hulbert is a property professional and strategic build partner to property investors with 17 years’ practitioner experience having started on the tools and then built his own portfolio. A builder’s knowledge combined with an investor’s mindset, Dan currently works with clients who seek professional advice within the areas of property and construction as a Build Consultant and Project Mentor. CONNECT WITH DAN HULBERT Dan Hulbert Instagram - https://www.instagram.com/dan_hulbert/ Dan Hulbert Facebook Page - https://www.facebook.com/OfficialDanHulbert/ Dan Hulbert LinkedIn - https://www.linkedin.com/in/danielhulbert/ Dan Hulbert - www.danhulbert.com ABOUT AMY ROWLINSON Amy Rowlinson has 14 years’ residential landlord experience and has built a portfolio of HMOs in the south. As well as continuing to build her property portfolio, Amy is a Coach and Mentor working with clients empowering them to discover the life they dream of by assisting them to make it their reality through their own action taking.  CONNECT WITH AMY ROWLINSON Book a Free 20-min Coaching Call with Amy - https://calendly.com/amyrowlinson/enquirycall Focus on WHY Podcast - https://bit.ly/focusonwhy  Focus on WHY Instagram - https://www.instagram.com/focusonwhy/ Amy Rowlinson Instagram - https://www.instagram.com/amy.rowlinson/ Amy Rowlinson Facebook Page - https://www.facebook.com/RowlinsonAmy/ Focus on Why Facebook Page - https://www.facebook.com/focusonwhy/ Focus on Why Facebook Group - https://www.facebook.com/groups/focusonwhy/ Amy Rowlinson LinkedIn - linkedin.com/in/amyrowlinson HOSTED BY: Dan Hulbert & Amy Rowlinson Disclaimer The views, thoughts and opinions expressed in this podcast belong solely to the hosts and guest speakers. Please conduct your own due diligence before investing in property.