Articles / Did You Know? A higher Loan-to-Value (LTV) isn't always the best outcome. Securing 75% LTV on a development might look great on paper, but if the lender requires excessive personal guarantees or imposes draconian default clauses, you risk your entire portfolio. A good broker balances maximum leverage with maximum protection.
Test your knowledge Why is securing the absolute highest Loan-to-Value (LTV) on a development not always the best outcome? A Because the government taxes high LTVs B High LTVs often come with excessive personal guarantees or draconian default clauses that put your entire personal portfolio at risk C Because lower LTVs are always faster to process D High LTVs require you to use the lender's own builders
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