Reviewed 2026-07-13
Nationwide 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 |
95% up to £750k loan; since 26 Jun 2025 |
| New-build max LTV (flats) | Yes |
|
| Builder gifted deposit | Yes | — Max 5%, only at ≤90% LTV; buyer must fund a 5% deposit from own resources; >5% total incentives = decline |
| 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.