New-build max LTV (houses)
up to 95% LTV
New-build max LTV (flats)
up to 90% LTV
Builder gifted deposit
Yes
| Criteria | Verdict | Detail |
|---|---|---|
| New-build max LTV (houses) | Yes |
houses ≤£750k, excl. Northern Ireland |
| New-build max LTV (flats) | Yes |
cash incentives on flats are deducted from the price |
| Builder gifted deposit | Yes |
|
| Gifted deposit (family) | Yes | — |
| Max LTV (standard) | Yes |
|
Source: lender intermediary criteria, every row verified on or since 2026-07-10 (most recent check 2026-08-19). Criteria change frequently — always confirm current policy with the lender or a broker.
Adviser's view
Accord new-build mortgage criteria at a glance
- Max LTV (houses): 95% — on loans up to £750k, not available in Northern Ireland
- Max LTV (flats): 90%
- Builder deposit contributions (houses): accepted within a 5% total incentive limit; any excess is deducted from the purchase price
- Builder deposit contributions and cashback (flats): only accepted if the full amount is deducted from the purchase price for LTV
- Family gifted deposits: accepted in the normal way
Accord — Yorkshire Building Society's intermediary-only arm — backs new-build houses to 95% (on loans up to £750k, and not available in Northern Ireland) and flats to 90%, a competitive pairing that puts it near the top of the market on both property types.
The distinction to flag is houses versus flats. On a new-build house or bungalow, Accord allows builder incentives — including a deposit paid by the developer — up to 5% of the purchase price; anything above that is deducted from the price and the LTV is worked out on the lower figure. On a flat or maisonette, a deposit paid or cashback is only acceptable if the whole amount is deducted from the price for LTV purposes, so it reduces your borrowing rather than topping up your deposit. Gifted deposits from family remain acceptable in the normal way.
Use the table above for the current positions and confirm with Accord before applying — incentive rules are among the criteria lenders revise most often.
FAQ
Does Accord lend on new-build properties?
Yes. Accord — Yorkshire Building Society's intermediary-only arm — lends up to 95% LTV on new-build houses (on loans up to £750k, and not available in Northern Ireland) and 90% on flats, a competitive pairing that puts it near the top of the market on both property types.
Does Accord accept builder-gifted deposits on new builds?
On houses, yes — Accord allows builder incentives, including a deposit paid by the developer, up to 5% of the purchase price, with any excess deducted from the price before the LTV is calculated. On flats and maisonettes, a deposit paid or cashback is only acceptable if the full amount is deducted from the purchase price for LTV. Gifted deposits from family remain acceptable in the normal way.
From our sister site Mortgage Affordability. Open the check in a new tab.