Coventry BS new-build mortgage criteria

New-build max LTV (houses)

up to 90% LTV

New-build max LTV (flats)

up to 75% LTV

Builder gifted deposit

Yes

Criteria	Verdict	Detail
New-build max LTV (houses)	Yes	up to 90% LTV
New-build max LTV (flats)	Yes	up to 75% LTV
Builder gifted deposit	Yes	— First 5% not deducted; 5–10% deducted; 10% max total; 5% own deposit always required
Gifted deposit (family)	Yes	—
Max LTV (standard)	Yes	up to 95% LTV Note: loan-size tiers: 95% <=GBP600k, 90% GBP600k-750k, 85% GBP750k-1m, 80% GBP1m-1.5m, 75% GBP1.5m-3m (headline standard purchase = 95%)

Source: lender intermediary criteria, every row verified on or since 2026-07-11 (most recent check 2026-08-19). Criteria change frequently — always confirm current policy with the lender or a broker.

From our sister site Mortgage Affordability. Open the check in a new tab.