What is Adman LTV Handbook
The Adman LTV Handbook is an authoritative annual publication by Adman Valuation Ltd, providing critical insights into Loan-to-Value (LTV) ratios for real estate lenders, financial institutions, and valuation professionals. It serves as a risk management tool, designed to mitigate vulnerabilities in property-backed lending by offering data-driven LTV benchmarks across different locations and property types.
Why the LTV Handbook Matters
LTV ratios play a pivotal role in mortgage and real estate lending by helping lenders in defining the proportion of a loan relative to the appraised property value. Striking the right balance is crucial—higher LTVs may increase default risk, while overly conservative ratios can limit access to credit.
Our LTV analysis is not static—it integrates a dynamic assessment of the collateral recovery environment by tracking:
- Market Activity – Demand and transaction volume across various real estate segments.
- Days on Market (DOM) – The average time properties take to sell in different locations.
- Competing Inventory – The availability of alternative properties in the market.
- Auction Success Trends – Historical data on foreclosure and distressed property sales.
- Property Price Fluctuations – Insights into price stability, appreciation, and volatility.
The Adman LTV Handbook is designed to provide normative guidance rather than strict mandates. Lenders retain full discretion to adjust the recommended LTV ratios based on their internal risk models.
Why you need the Adman LTV Handbook
✅ Enhanced Risk Management – Reduces loan default risks by providing data-driven insights on property-backed loans.
✅ Market-Specific Insights – Analyzes real estate trends to guide accurate LTV ratio recommendations.
✅ Optimized Credit Allocation – Helps lenders balance credit exposure based on property type and market conditions.
✅ Improved Collateral Valuation – Aligns property valuations with lending benchmarks for better accuracy.
✅ Better Loan Portfolio Performance – Minimizes bad debts by setting appropriate LTV limits.
Who Should Use the LTV Handbook?
✅ Banks & Mortgage Lenders – To structure loan terms and risk-adjusted credit policies.
✅ Real Estate Valuers – To align property assessments with market recovery rates.
✅ Regulators & Policymakers – To understand lending trends and market stability.
✅ Investors & REITs – To assess leverage levels and risk exposure in real estate portfolios.