Accord new-build mortgage criteria

Q: 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.

Q: Does Accord accept builder-gifted deposits on new builds?

No. Accord doesn't accept builder-gifted deposits at all, which rules it out for any case relying on a developer contribution toward the deposit itself. Cash incentives on flat purchases are instead deducted from the purchase price, lowering the effective LTV, while gifted deposits from family remain acceptable in the normal way.

Criteria	Verdict	Detail
New-build max LTV (houses)	Yes	up to 95% LTV houses ≤£750k, excl. Northern Ireland
New-build max LTV (flats)	Yes	up to 90% LTV cash incentives on flats are deducted from the price
Builder gifted deposit	Yes	Notes: houses/bungalows: builder incentives (incl. deposit paid) max 5%, excess deducted from price; flats/maisonettes: cashback/deposit-paid only if fully deducted from purchase price for LTV
Gifted deposit (family)	Yes	—
Max LTV (standard)	Yes	up to 95% LTV Note: loan-size tiers: 95% <=£750k (excl NI), 90% <=£1m, 85% <=£2.6m, 75% <=£5m \| 5K Deposit Mortgage (99% FTB scheme) excluded

Criteria

Verdict

Detail

New-build max LTV (houses)

Yes

up to 95% LTV

houses ≤£750k, excl. Northern Ireland

New-build max LTV (flats)

Yes

up to 90% LTV

cash incentives on flats are deducted from the price

Builder gifted deposit

Yes

Notes: houses/bungalows: builder incentives (incl. deposit paid) max 5%, excess deducted from price; flats/maisonettes: cashback/deposit-paid only if fully deducted from purchase price for LTV

Gifted deposit (family)

Yes

—

Max LTV (standard)

Yes

up to 95% LTV
Note: loan-size tiers: 95% <=£750k (excl NI), 90% <=£1m, 85% <=£2.6m, 75% <=£5m | 5K Deposit Mortgage (99% FTB scheme) excluded

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-gifted deposits: not accepted at all
Cash incentives on flats: deducted from the purchase price, lowering the effective 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 one to flag clearly is builder-gifted deposits: Accord doesn't accept them at all, which marks it out from most of its high-street peers and rules it out immediately for any case relying on a developer contribution toward the deposit itself. Cash incentives on flat purchases are handled differently again — rather than being disallowed, they're simply deducted from the purchase price, which lowers the effective loan-to-value the case is assessed against. Gifted deposits from family remain acceptable in the normal way.

Use the table above for the current positions and confirm with Accord before applying — the no-builder-gift stance is worth checking hasn't shifted.

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?

No. Accord doesn't accept builder-gifted deposits at all, which rules it out for any case relying on a developer contribution toward the deposit itself. Cash incentives on flat purchases are instead deducted from the purchase price, lowering the effective LTV, while gifted deposits from family remain acceptable in the normal way.