Loan-to-Value (LTV) ratio is a metric relied on by lenders to determine the loan amount against the appraised value or price of the collateral.

The LTV Ratio Handbook is published annually by Adman Valuation Ltd and is intended to mitigate vulnerabilities within the real estate sector.  We have analyzed variables influencing the collateral recovery rate across various locations, namely market activity, days on market, availability of competing inventory, auction success trends, property price fluctuations, and regulatory considerations.