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	up to 95% LTV Incentive/cashback route, houses only
New-build max LTV (flats)	Yes	up to 75% LTV 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	up to 95% LTV Note: Loan-size tiers: 95% <=£500k, 90% <=£750k, 80% <=£800k, 70% <=£900k, 65% <=£1m.

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.

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