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The amount you can borrow in a mortgage is measured in a 'loan-to-value' rate, or LTV, as you will see on mortgage adverts. This is just the percentage mix of deposit and loan. If you had PS20,000 cash and wanted to buy a PS200,000 house, you would have a 10 per cent deposit, and need to borrow the remaining PS180,000 to get your hands on it. That is you need to borrow 90 per cent of the property's value, or 90 per cent LTV.