CLTV Calculator (Combined Loan-to-Value)
FinanceCalculate the Combined Loan-to-Value (CLTV) ratio when a property has more than one loan secured against it.
Combined Loan-to-Value (CLTV)
The share of your property's value covered by all loans secured against it, combined.
Total Combined Loan Balance
$400,000.00
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Odeh Ahwal0people find this calculator helpful
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Frequently Asked Questions
How is CLTV calculated?
CLTV = (First Mortgage Balance + Second Mortgage/HELOC Balance) / Property Value x 100.
How is CLTV different from plain LTV?
Plain LTV only considers a single loan against the property. CLTV accounts for every loan secured against it -- a first mortgage plus a HELOC or second mortgage -- giving lenders a fuller picture of your total leverage against the property.
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