Virgin Money new-build mortgage criteria

New-build max LTV (houses)

up to 90% LTV

New-build max LTV (flats)

up to 80% LTV

Builder gifted deposit

Yes

Criteria	Verdict	Detail
New-build max LTV (houses)	Yes	up to 90% LTV 95% only for Shared Ownership
New-build max LTV (flats)	Yes	up to 80% LTV
Builder gifted deposit	Yes	—
Gifted deposit (family)	Yes	—
Max LTV (standard)	Yes	up to 95% LTV Note: Loan-size tiers: 95% <=£600k, 85% £600k-£750k, 80% £750k-£1.25m, 75% >£1.25m. Headline standard-purchase max is 95%.

Source: lender intermediary criteria, every row verified on or since 2026-07-10 (most recent check 2026-08-19). Criteria change frequently — always confirm current policy with the lender or a broker.

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