The easiest way to work out your loan to value ratio is to take away your deposit amount from the value of the house, then work out the difference as a percentage.
For example, if your house is valued at £250,000 and you have a deposit of £50,000, you would need a mortgage of £200,000.
To calculate your LTV ratio:
200,000 ÷ 250,000 = 0.8
0.8 x 100 = 80%
This gives you an 80% loan to value ratio.
The larger your deposit, the lower your LTV. Think about how much you can afford upfront before applying for a mortgage.