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, 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.