In general, lenders prefer borrowers to have a lower loan-to-value ratio when buying a house. 

A lower ratio means that the borrower has more equity in the property and is less likely to default on the loan.

A lower ratio can also mean that the borrower may qualify for a lower interest rate on the mortgage, which can save them thousands of dollars over the life of the loan. 

When buying a house, there are several factors that can impact your loan-to-value ratio.  

The first factor is the amount of the down payment you make.

A larger down payment will reduce the amount of the loan, and therefore lower your loan-to-value ratio.  

For example, if you put 20% down on a $300,000 house, your loan-to-value ratio would be 80% ($240,000 / $300,000 x 100). 

However, if you put 10% down on the same house, your loan-to-value ratio would be 90% ($270,000 / $300,000 x 100).