LTV Ratio Analyzer

Analyze loan-to-value ratios across your Canadian property portfolio. Discover refinancing opportunities and optimize your leverage strategy.

Property Portfolio

Property 1

LTV Ratio

58.3%

Equity

$250,000

Capital Gains

$100,000

Refinance Potential

$130,000

Portfolio Overview

Total Portfolio Value$600,000
Total Equity$250,000
Total Mortgage Debt$350,000
Portfolio LTV58.3%

Refinancing Analysis

Available Equity (80% LTV)$130,000
Monthly Payments$2,200
Portfolio Breakdown1 / 1 optimal
Properties w/ Opportunities1

📊 Portfolio LTV Distribution

≤60% Excellent
1 properties
61-75% Good
0 properties
76-85% Caution
0 properties
>85% High Risk
0 properties

Combined Portfolio LTV

58.3%

$350,000 debt / $600,000 value

💡 Portfolio Strategy Tips

  • • Combined LTV < 65%: Conservative, excellent borrowing capacity
  • • Individual LTV < 70%: Prime refinancing opportunities
  • • Target 80% max LTV: Industry standard for optimal leverage
  • • HELOC access: Properties with LTV < 65% qualify for HELOCs
  • • Rate arbitrage: Refinance properties with rates > current market