Light Timber Frame Walls are made of solid timber elements and are usually protected by cladding materials (gypsum). This investigation finds the effect of different load levels and cladding systems on the fire resistance. The timber frame structure is made with three studs and two rails, and will be analysed with two different protection levels. The computational model includes the thermal analysis under standard fire and a sequential mechanical analysis with time increments. Both, thermal and thermo-mechanical models are validated against experimental results developed in the reduced scale and full scale. The timber frame structure is deemed to have failed when it is no longer supporting the test load. The results are also compared with the failure criteria used for the experimental tests. The timber frame is deformed and all simulated models attained the global bucking instability mode, with studs moving to the outside of the furnace, due to the effect of load and charred layer. The fire resistance of a double-layered light timber frame wall is higher than a single-layered, and both decrease with the load level. This ability is reduced by 46%, on average for all load levels, when using only one gypsum layer. A new formula is proposed to determine the fire resistance, based on the load level and cladding systems. The fire resistance of the specimens with two layers of gypsum plates decreases faster than the specimens with one layer of gypsum, with respect to the increase of the load level.