Reviewed 2026-07-13
TSB 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 |
Raised from 90% in Feb 2025 |
| New-build max LTV (flats) | Yes |
|
| Builder gifted deposit | Yes | — ≤5% of value; nothing above 5% acceptable; 5% own deposit always required |
| 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.