Mortgage deposit shortfall calculator UK
Find the extra deposit needed to reach a chosen mortgage LTV band. Check the formula, worked example and limits before using your own figures.
Enter your figures
Extra deposit to reach target LTV
Inputs changed. Select Calculate result to update your estimate.
Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. A chosen LTV target is not a promise of a rate or approval. Purchase costs and affordability are separate.
How the mortgage deposit shortfall calculator uk works
Required deposit = price × (1 − target LTV); gap = max(0, required deposit − current deposit).
Data basis: mathematical formula using your inputs. Example prices and rates are illustrative, not current market quotes.
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Worked example: mortgage deposit shortfall
This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.
- Purchase price (£)
- 250,000
- Current deposit (£)
- 20,000
- Target maximum LTV (%)
- 90
Extra deposit to reach target LTV: £5,000.00
Required deposit = price × (1 − target LTV); gap = max(0, required deposit − current deposit).
Mortgage deposit shortfall: questions answered
What does the mortgage deposit shortfall calculation include?
Required deposit = price × (1 − target LTV); gap = max(0, required deposit − current deposit). Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. A chosen LTV target is not a promise of a rate or approval. Purchase costs and affordability are separate.
Using your result
Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.
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