Reviewed 2026-07-13
Halifax new-build mortgage criteria
New-build max LTV (houses)
up to 95% LTV
New-build max LTV (flats)
up to 85% LTV
Builder gifted deposit
Case-by-case
| Criteria | Verdict | Detail |
|---|---|---|
| New-build max LTV (houses) | Yes |
95% up to £570k loan; 90% to £750k; 85% to £2m |
| New-build max LTV (flats) | Yes |
converted new-build flats 80% |
| Builder gifted deposit | Case-by-case | — |
| Gifted deposit (family) | Yes | — |
| Max LTV (standard) | Yes |
|
Source: lender intermediary criteria, last verified 2026-07-10. Criteria change frequently — always confirm current policy with the lender or a broker.