Reviewed 2026-07-13
Principality 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 |
|
| New-build max LTV (flats) | Yes |
|
| Builder gifted deposit | Yes | — Builder gift ≤5% (part-cover; 5% own funds still required); can stack with an uncapped stamp-duty incentive |
| Gifted deposit (family) | Yes | — |
| Max LTV (standard) | Yes |
|
Source: lender intermediary criteria, last verified 2026-07-11. Criteria change frequently — always confirm current policy with the lender or a broker.