The LTV (loan to value) is the ratio of the value of the property to the amount of the loan. The lower the LTV the safer the investment risk. As an example on a residential loan we generally go up to 65% of value on houses under $500.000. On houses over $500,000 we’ll only loan about 60% of the value and if the house is valued over $1,000,000 we’ll only loan 55% of value. We want to be conservative and make sure we are always well under market value which is a key factor in securing and protecting your investment.