New-build max LTV (houses)
up to 90% LTV
New-build max LTV (flats)
up to 85% LTV
Builder gifted deposit
Yes
| Criteria | Verdict | Detail |
|---|---|---|
| New-build max LTV (houses) | Yes |
any case with a builder incentive is capped at 90% LTV |
| New-build max LTV (flats) | Yes |
|
| 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
Barclays new-build mortgage criteria at a glance
- Max LTV (houses): 90%
- Max LTV (flats): 85%
- Builder incentives: any case including a builder incentive is automatically capped at 90% LTV
- Gifted deposits: accepted, whether from the builder or a family member
Barclays caps new-build houses at 90% LTV and flats at 85% — noticeably tighter than several high-street peers on houses, and worth flagging early if a client is counting on a 95% deal. The gap between the two property types is smaller than some lenders', which keeps flat purchases relatively competitive by comparison.
The house figure comes with an important condition: any case that includes a builder incentive is automatically capped at 90% LTV, regardless of the buyer's own deposit strength, so a generous developer sweetener doesn't buy access to a higher loan-to-value — if anything it fixes the ceiling. Gifted deposits themselves, whether from the builder or a family member, are accepted.
Use the table above for the current positions and confirm with Barclays before applying — the incentive-triggered LTV cap is the detail most worth double-checking on any case with a developer sweetener attached.
FAQ
Does Barclays lend on new-build properties?
Yes. Barclays lends up to 90% LTV on new-build houses and 85% on flats — noticeably tighter on houses than several high-street peers, so clients counting on a 95% deal will need to look elsewhere, though the smaller house-to-flat gap keeps flat purchases relatively competitive.
How does Barclays treat builder incentives on new builds?
Any Barclays case that includes a builder incentive is automatically capped at 90% LTV, regardless of the buyer's own deposit strength — a developer sweetener fixes the ceiling rather than buying access to a higher loan-to-value. Gifted deposits themselves, from the builder or a family member, are accepted.