Moving Cost Calculator Rightmove: Work Out Your Loan to Value and Equity
This calculator helps you understand where you stand when you move home. It works out the loan to value ratio of a mortgage or secured loan, and the equity you hold in the property, using only the loan amount and the property value you enter.
Loan to value shows how much of the property's value is being borrowed, while equity shows the part you own outright. Lenders use these figures when deciding on borrowing, so knowing them before you speak to a bank or lender can help you plan your move.
How to use the moving cost calculator
- Enter the loan amount you are borrowing or plan to borrow, in pounds (£).
- Enter the property value, in pounds (£), as you expect it to be valued.
- Read the loan to value percentage shown by the calculator.
- Read the equity figure shown, in pounds (£).
- Change either figure to see how a different loan or valuation affects the result.
- Check the final figures with your lender or bank before you rely on them.
The formula
- LTV = loan amount ÷ property value × 100
- Equity = property value − loan amount
Worked example
The figures below are made up to show the maths. They are not current prices, rates or product figures.
| Loan amount | £240,000.00 |
|---|---|
| Property value | £300,000.00 |
- Loan to value 80.00%
- Equity £60,000.00
Tips for an accurate answer
- Use the valuation you expect the lender to use, which may differ from the asking price.
- Make sure the loan amount matches the figure in your offer or agreement in principle.
- Try a few different property values to see how sensitive your equity is to the valuation.
- Remember that this calculator only does the arithmetic and does not include fees or other costs of moving.
- Confirm the final numbers with your lender or bank, as they hold the definitive figures.
Questions people ask
How can I calculate the cost of moving?
This calculator does not work out moving costs such as removals or fees. It calculates loan to value and equity from a loan amount and property value. For a full moving budget, you would need to add your own estimates of the other costs.
Can I use this calculator alongside Rightmove listings?
Yes, you can enter a property value taken from a listing as a starting point. The calculator then shows the loan to value and equity based on the loan amount you enter. Remember that the lender's own valuation may be different.
How do I use a cost to move house calculator for my loan?
Enter your loan amount and the property value in pounds. The calculator will show you the loan to value percentage and your equity. It does not add up removal or legal costs, so those need to be considered separately.
What does loan to value mean?
Loan to value is the loan amount as a percentage of the property value. It shows how much of the property is being borrowed. The calculator works this out for you once you enter both figures.
What is equity in this calculator?
Equity is the property value minus the loan amount, which is the part of the property you own outright. The calculator shows this figure in pounds once you have entered the two inputs.
Which figures do I need to enter?
You need to enter the loan amount and the property value, both in pounds. These are the only two inputs the calculator uses to produce its results.
Does this calculator include the costs of moving?
No, it does not include removal costs, stamp duty, legal fees or other moving expenses. It only works out loan to value and equity from the two figures you enter.
Should I rely on these results for my mortgage?
The calculator is for working out the maths only and is not financial advice. Check the figures with your lender or bank before making any decisions about borrowing.
Sources
This calculator uses the standard loan and interest formulas above and the numbers you type. It needs no outside figures.
An estimate from the numbers you enter, worked out with the formula shown. It is maths, not financial advice: your lender or bank has the final figures. Page checked 23 Oct 2026. Read the disclaimer