NatWest new-build mortgage criteria

Criteria	Verdict	Detail
New-build max LTV (houses)	Yes	up to 95% LTV
New-build max LTV (flats)	Yes	up to 90% LTV raised Nov 2025
Builder gifted deposit	Yes	— Accepted up to 15% of price but must supplement the buyer's own deposit; excess over 5% deducted from price
Gifted deposit (family)	Yes	—
Max LTV (standard)	Yes	up to 95% LTV Note: Confirms standard purchase max of 95% on flats and houses. New build LTVs (houses 95%, flats 90%) and interest-only/part-and-part LTVs found on a separate criteria page are scheme/product-specific, not used here. \| New Build flats 90% — scheme-specific, excluded (New Build houses 95% coincides with standard headline)

Criteria

Verdict

Detail

New-build max LTV (houses)

Yes

up to 95% LTV

New-build max LTV (flats)

Yes

up to 90% LTV

raised Nov 2025

Builder gifted deposit

Yes

—

Accepted up to 15% of price but must supplement the buyer's own deposit; excess over 5% deducted from price

Gifted deposit (family)

Yes

—

Max LTV (standard)

Yes

up to 95% LTV
Note: Confirms standard purchase max of 95% on flats and houses. New build LTVs (houses 95%, flats 90%) and interest-only/part-and-part LTVs found on a separate criteria page are scheme/product-specific, not used here. | New Build flats 90% — scheme-specific, excluded (New Build houses 95% coincides with standard headline)

Adviser's view

NatWest new-build mortgage criteria at a glance

Max LTV (houses): 95%
Max LTV (flats): 90% — ceiling raised in November 2025
Builder incentives: a developer gift worth up to 15% of the purchase price is accepted
Incentive treatment: must top up a genuine buyer deposit, not substitute for it; anything above 5% is deducted from the purchase price for lending purposes
Family gifted deposits: accepted in the usual way

NatWest backs new-build houses to 95% LTV and, since raising its flat ceiling in November 2025, now goes to 90% on flats too — one of the smaller house-to-flat gaps among the high-street names, which makes it a reasonable first call for flat purchases specifically.

Builder incentives get a more generous headline than most: NatWest will accept a developer gift worth up to 15% of the purchase price, though it must be topping up a genuine deposit from the buyer rather than substituting for one, and anything above 5% is deducted from the purchase price for lending purposes rather than treated as free money. Ordinary gifted deposits from family are accepted in the usual way.

The table above carries the current positions — confirm the detail with NatWest before relying on it, especially the split between what counts as supplementing the buyer's deposit and what gets deducted from the price.

FAQ

Does NatWest lend on new-build properties?

Yes. NatWest lends up to 95% LTV on new-build houses and, since raising its flat ceiling in November 2025, up to 90% on flats — one of the smaller house-to-flat gaps among the high-street names, which makes it a reasonable first call for new-build flat purchases specifically.

How much builder incentive will NatWest accept on a new build?

NatWest accepts a developer gift worth up to 15% of the purchase price — a more generous headline than most — though it must top up a genuine deposit from the buyer rather than substitute for one, and anything above 5% is deducted from the purchase price for lending purposes.