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, every row verified on or since 2026-07-10 (most recent check 2026-08-19). Criteria change frequently — always confirm current policy with the lender or a broker.
Adviser's view
Halifax new-build mortgage criteria at a glance
- Max LTV (houses): 95%, stepping down to 90% above £570k and 85% above £750k
- Max LTV (flats): 85%; converted new-build flats drop to 80%
- Builder incentives: developer gifted deposits assessed case-by-case — no fixed cap
- Family gifted deposits: accepted without extra scrutiny
Halifax sits near the top of the market on new-build houses, with a 95% LTV ceiling that only steps down once the loan itself gets large — 90% above £570k, 85% above £750k. Flats are treated more cautiously at 85%, and a converted new-build flat drops further still to 80%, so it's worth checking which category a particular development actually falls into before assuming the higher figure applies.
Where Halifax asks for more care is builder incentives: rather than a fixed cap, gifted deposits from a developer are assessed case-by-case, so there's no blanket percentage to quote a client upfront — expect the underwriter to want sight of the specific incentive structure. Gifted deposits from family, by contrast, are accepted without that extra layer of scrutiny.
Use the table above for the current positions, and confirm the detail with Halifax before applying.
FAQ
Does Halifax lend on new-build properties?
Yes. Halifax lends up to 95% LTV on new-build houses, stepping down to 90% above a £570k loan and 85% above £750k. Flats are treated more cautiously at 85%, and a converted new-build flat drops further to 80%, so the property's category matters before assuming the higher figure.
What is Halifax's builder incentive policy on new builds?
Rather than a fixed cap, Halifax assesses builder-gifted deposits case-by-case, so there's no blanket percentage to quote a client upfront — expect the underwriter to want sight of the specific incentive structure. Gifted deposits from family, by contrast, are accepted without that extra layer of scrutiny.