New-build max LTV (houses)
up to 90% LTV
New-build max LTV (flats)
up to 90% LTV
Builder gifted deposit
Yes
| Criteria | Verdict | Detail |
|---|---|---|
| New-build max LTV (houses) | Yes |
Up to 95% via Own New Rate Reducer (houses, ex-London; 90% for Skilled Worker visa holders) |
| New-build max LTV (flats) | Yes |
|
| Builder gifted deposit | Yes | — Incentives over 5% deducted from price; an Own New payment to Darlington is not counted within that 5% cap |
| Gifted deposit (family) | Yes | — |
| Max LTV (standard) | Yes |
|
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.