Newcastle BS new-build mortgage criteria

New-build max LTV (houses)

up to 95% LTV

New-build max LTV (flats)

up to 90% 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 90% LTV 1-bed flats capped at 80%
Builder gifted deposit	Yes	— ≤5% no deduction; loan + incentive + fee capped at 90% overall
Gifted deposit (family)	Yes	—
Max LTV (standard)	Yes	up to 95% LTV Note: Headline standard-purchase max is 95% (loans up to £500k), stepping down for larger loan sizes per tiers above. First Step scheme product (up to 98%) is excluded as a scheme LTV. \| First Step scheme up to 98% — scheme-specific, excluded

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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