Reviewed 2026-07-13
Furness BS new-build mortgage criteria
New-build max LTV (houses)
up to 95% LTV
New-build max LTV (flats)
up to 75% LTV
Builder gifted deposit
Yes
| Criteria | Verdict | Detail |
|---|---|---|
| New-build max LTV (houses) | Yes |
Incentive/cashback route, houses only |
| New-build max LTV (flats) | Yes |
City-centre flats referral-only |
| Builder gifted deposit | Yes | — Builder gifted deposit ≤5% (5% own/family funds still required); max LTV with a builder gift capped at 90% |
| Gifted deposit (family) | Yes | — |
| Max LTV (standard) | Yes |
|
Source: lender intermediary criteria, last verified 2026-07-11. Criteria change frequently — always confirm current policy with the lender or a broker.