- State
- Recalled
- Evidence
- Misconception exposedChose 25% — the deposit share, not the loan.
- Repair completedSeparated loan share from deposit share. Immediate correction: learning, not proof.
- Changed-context recall correct NewDeposit given, loan worked out first: 85%.
- Interpretation
- You now distinguish deposit share from loan-to-value.
- Missing proof
- A later fresh, independent answer.
- Next action
- Practise one fresh LTV question.Added to Today
Today
A clear route.
One useful step
at a time.
- The step
- Make loan-to-value click.Quick Learn · MRT1 · Loan-to-value
- Why this next
- It’s next on your MRT1 route.Coach points to the method before a question.
- What counts as evidence
- Needs fresh evidenceEvidence comes from answering questions — not from reading or listening.
Learn
01Learn it your way
Make it
clear.
Read the explanation.
Loan÷property value×100£150,000 ÷ £200,000 × 100 = 75% LTV
The distinction to remember
The deposit is the part funded separately. Its percentage is not the loan-to-value.
Learn / MRT1 · Loan-to-value
Quick LearnFull LearnAudio ↗
Start with the loan.
Divide by the value.
Divide by the value.
Loan-to-value compares the mortgage loan with the value of the property. Express it as a percentage.
Loan ÷ property value × 100£150,000 ÷ £200,000 × 100 = 75% LTV
Knowledge check
Which figure goes at the top of the calculation?
Loan-to-value, explainedResume audio · illustrative position
Quick Learn · illustrative lesson state
Audio
Then take it
with you.
Hear it in your own time. Return to the same lesson when you’re ready to check your understanding.
Same lesson, same words — written and spoken. Listening supports learning; it does not award proof.
AudioLearn / Loan-to-value
Loan-to-value,
explained.
explained.
Lesson audio · Resume where you left off
2:186:24
02:18 · Example transcript
“The loan is £150,000. The property value is £200,000. Divide the loan by the value, then multiply by 100.”
Preview timings are illustrative.
Listening supports learning; it does not award proof.
Listening supports learning; it does not award proof.
Audio controls and transcript · design preview
Check
02Practice → Repair
Understanding first.
Evidence comes from
what you can do.
End-of-topic checks give immediate feedback. Practice then helps uncover the distinctions worth revisiting.
Loan-to-value · example question
A £150,000 loan on a £200,000 property.
What is the LTV?
What is the LTV?
A25%Selected
B50%
C75%
D80%
Choose one answer, then check.
Practice · before checking · illustrative
Wrong answer
The route remembers
A wrong answer.
A better
next step.
Keep the answer you chose. See the distinction you missed.
This answer opens a Repair detour. Your route waits here for fresh evidence.
Loan-to-value · example question
A £150,000 loan on a £200,000 property.
What is the LTV?
What is the LTV?
×25%Your answer
B50%
✓75%Correct answer
D80%
Not quite. Here’s the distinction.
25% is the deposit share. LTV uses the loan: £150,000 ÷ £200,000 = 75%.
Work on this in RepairThis mistake stays available to revisit.
Practice feedback · original answer stays visible
Repair
Repair detour · opened by your answer
Loan share.
Not deposit share.
You used the deposit percentage. Let’s separate the two amounts before trying again.
Your selected answer25%
£50,000 deposit ÷ £200,000 value
The loan-to-value75%
£150,000 loan ÷ £200,000 value
Ask yourself: what is being borrowed?
That is the numerator. The property value is the denominator.
Coach · Why this matters
Your answer points to a loan-versus-deposit mix-up. Focus on which figure belongs in the calculation before returning to practice.
Getting it right straight after the correction helps you learn. It isn’t fresh proof — the route rejoins only after a later question.
Repair · Loan-to-value
Loan share.
Not deposit share.
Not deposit share.
Your answer25%deposit ÷ value
Loan-to-value75%loan ÷ value
ExposedRepairingRecalledProven
You’re working on the distinction. Getting it right now helps you learn. Later recall and fresh proof are separate steps.
Repair · current state Repairing · illustrative
WednesdayTwo days later · a new session
Recall · later session
03Recall → fresh evidence
New numbers.
Same
distinction.
Two days on, the question changes shape: now you’re given the deposit, not the loan. Getting it right here counts — nobody has just shown you the answer.
Monday · RepairImmediate correctionHelps you learn. Not proof.
Wednesday · RecallLater, changed contextFresh evidence.
ExposedMonRepairingMonRecalledWed · nowProvennot yet
Fresh evidence reconnects your route. The Repair detour stays in its history.
Loan-to-value · changed context
A buyer has a £45,000 deposit for a £300,000 house. What is the LTV?
A15%
B18%
C82%
✓85%Your answer
Correct — in a new context.
You found the loan first: £300,000 − £45,000 = £255,000. Then £255,000 ÷ £300,000 = 85%.
RecordedFresh evidence · Recall
One recall. Proof also needs a later fresh, independent answer.
Later recall · changed context · illustrative
Evidence · PassIQ
04PassIQ™ · evidence, interpreted
PassIQ reads the evidence.
It never guesses the result.
No readiness gauge. No pass probability. What you’ve shown, what it means, what’s still missing — and the next useful action.
Your study brief · Wednesday
Today.
Your next best action
Practise one fresh LTV question.
You recalled the distinction in a new context. A later fresh, independent answer is still missing.
Practice · Loan-to-value · fresh question
PassIQ™ · Evidence checkRecalled · needs fresh answer
Next proof: a later fresh, independent answer.
Today · updated by fresh evidence · illustrative
Mock · exam conditions
05Mock
Exam
conditions.
No help.
A timed mock is assessment, not teaching. It’s where application counts — so everything that helps you learn steps aside until you submit.
Switched off during a mock
- Coach
- Hints
- Repair
- Audio
- Explanations
Still there
- Timer
- Navigation
- Flags
- Review before submit
MRT1 mock in CeMAP Coach · 50 questions · 60 minutes · feedback only after you submit
17 answered2 flagged
Question 18
A remortgage applicant owes £176,000 on a home now valued at £220,000. What is the current loan-to-value?
A20%
B76%
C80%Selected
D125%
No feedback until you submit.
Active mock · assessment only · illustrative
Debrief · after submit
06Mock debrief
Submitted.
Now the evidence speaks.
The debrief replaces the mock. It doesn’t lead with a percentage. It shows what the mock revealed, what that means, and what to do next.
01 Assessment evidence
- LTV applied correctly under time · Q18, first answer
- Deposit/loan mix-up not repeated
- Repayment methods · 3 of 5 incorrect, 2 answered confidently
- 4 changed answers · 2 changed to correct
- Pace · finished with 8 minutes left
02 Interpretation
Loan-to-value now has later recall and a fresh independent answer — here, in a mock. Repayment methods is the real gap.
03 What to do next
- Repair repayment methods
- Keep LTV in spaced review
Loan-to-valueProven
ExposedMonRepairingMonRecalledWedProvenSat · Mock A
In this story, Proven follows later recall and a fresh independent answer — here, in a mock. Memory Bank still brings it back for spaced review.
MRT1 · Mock A · submitted
What this mock showed.
- Applied correctlyLoan-to-value · Q18First answer, under time
- Recurring misconceptionDeposit vs loanNot repeated
- Weak areaRepayment methods3 of 5 incorrect
- Confident errors2Both repayment methods
- Pace8 min leftNo rushed final block
Loan-to-valueProven
Marks recorded: 38 of 50 · one mock, not a prediction
Mock debrief · replaces the active mock · illustrative
Next action · your study layer
07Personal study layer
One topic.
Everything connected to it.
Select a topic and CeMAP Coach arranges itself around it — the glossary, the maths, Coach, your review queue and your plan. One study system, not a shelf of tools.
Jargon Busterfrom “Open LTV in Jargon Buster”
Loan-to-value (LTV)
- Full wording
- Loan-to-value ratio
- Plain English
- How much of the property’s value is being borrowed, shown as a percentage.
- Why it matters in CeMAP
- Lending is measured against the property’s value. LTV links the loan, the deposit and the value — keeping them apart is the skill.
- Related
- MRT1 · Loan-to-value lesson
Memory Bankwhat still needs revisiting
- Loan-to-valueProvenSpaced review in 3 weeks
- Repayment methodsExposedFrom Mock A · Repair today
- Affordability checksRecalledNeeds a later fresh, independent answer
Exam Runwaywhat’s next, and when
- Repair · repayment methods
- Fresh question · repayment methods
- MRT1 Mock B
- LTV spaced review
- Your booked dateYou set it. The runway plans back from it.
Learn / MRT1 · Topic
Loan-to-value
Proven3 evidence events + 1 repair · latest: Mock A
Topic view · contextual actions · illustrative
Calculations Labfrom “Try an LTV calculation”
- Problem
A buyer has a £48,000 deposit for a £240,000 home. What is the LTV?
- Figures
Value £240,000Deposit £48,000
- Method
1 · Loan = value − deposit
2 · LTV = loan ÷ value × 100 - Worked example
£240,000 − £48,000 = £192,000
£192,000 ÷ £240,000 × 100 = 80% - Your attempt
80%✓ Correct
- Feedback
Right order: find the loan first, then divide by the value.
Coachfrom “Ask Coach why this matters”
What the evidence says
You mixed up deposit share and LTV on Monday, recalled the difference on Wednesday, and applied it under time in Mock A.
Why it matters
LTV turns up wherever borrowing is measured against a property, so the distinction keeps paying off.
Suggested next action
Leave LTV to spaced review. Put today’s time into repayment methods.
Coach explains and suggests. It can’t add evidence, change PassIQ, predict your exam or give mortgage advice.