What's a typical maximum LTV for a home equity loan or HELOC?

Most lenders cap combined loan-to-value at 80-85% of your home's value, meaning you can typically borrow against 80-85% of the home value minus what you still owe on your primary mortgage.

Can I still get a home equity loan with less equity than this suggests?

Some lenders offer higher max LTV products (up to 90-95%) for well-qualified borrowers, usually at a higher interest rate. Adjust the maximum LTV input to match what your specific lender offers.

Home Equity Loan Calculator

Calculate available home equity and the maximum you could borrow against it.

How this is calculated

Available equity = Home value − Mortgage balance; Max loan = Home value × Max LTV % − Mortgage balance

Assumptions used in this calculation

Lender limits: Actual maximum LTV and eligibility depend on the specific lender and borrower credit profile.

About this calculator

The home equity loan calculator finds your current equity, home value minus outstanding mortgage, and applies a maximum loan-to-value ratio to estimate how much you could borrow through a home equity loan or line of credit.

Worked example

₹80L home value, ₹40L mortgage balance, 80% max LTV

Result: Max loan amount ≈ ₹24,00,000

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Frequently asked questions

What's a typical maximum LTV for a home equity loan or HELOC?

Can I still get a home equity loan with less equity than this suggests?

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