Leeds BS 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

Yes

Criteria	Verdict	Detail
New-build max LTV (houses)	Yes	up to 95% LTV
New-build max LTV (flats)	Yes	up to 85% LTV
Builder gifted deposit	Yes	— ≤5% no deduction; excess above 5% deducted from price; 5% own deposit always required; no incentives at all above 90% LTV
Gifted deposit (family)	Yes	—
Max LTV (standard)	Yes	up to 95% LTV Note: 95% is the headline standard-purchase max (houses); flats may sit at a lower sub-cap (85%) per some product lines - this is a property-type sub-cap, not a scheme. Could not load the live PDF criteria doc (binary/encoded) or the residential-criteria-guide detail pages (JS-driven) to get a single current definitive statement, so confidence is medium rather than high.

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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