Loan to Value (LTV)

• Max LTV 95% for purchase
• Max LTV 90% for remortgage
• Minimum leasehold term 90 years

• Max LTV 90%
• Based on the open market value.
• The discount must be a gift, not a loan, and there must be no conditions attached to it.
• The purchase can't be part of a recognised scheme, such as Right to Buy or Shared Ownership.
• We don't require a deposit unless the loan exceeds our maximum LTV.

See our Concessionary Purchase or Genuine Bargain Price criteria for full detail.

• Dependent on scheme, minimum deposit of 5% of full purchase price required.
• If customer is using FHTB loan towards deposit, this will not count towards minimum 5%
• Max LTV 25% for builder schemes
• Max LTV 50% for Government/Housing Association/Local Authority/ Developer and HCA co funded schemes (including Help to Buy - Equity Loan Scheme).
• Subject to product availability restrictions.

See our Equity Share criteria for full detail.

• Max LTV 75%

See our Interest only page for full criteria.

• Flat: max LTV 85%
• House: max LTV 95%

See our New Build criteria for full detail.

• Max LTV 95% for purchase
• Max LTV 90% for remortgage.

• Max LTV 85%.

• Max LTV 90%
• Based on the restricted value.

See our Restricted Resale Price criteria for full detail.

• Up to 100% of discounted price
• Additional funds for legal fees and home improvements
• Subject to product availability restrictions.

See our Right to buy criteria for full details.

• Max LTV 85%
• Max 85% LTV will apply if the client will own two or more mortgaged properties on completion. We'll treat this as a Second Property application.
• This applies even if the client is purchasing or remortgaging the property to be their main residence.
• For this purpose, we don't count background properties owned in an applicants Limited Company or Limited Liability Partnership.
• Where your client has, or will have on completion, only one mortgaged property, standard LTV limits will apply.

See our Second properties criteria for full details.

• Max LTV 90%
• Minimum initial share 25%
• Subject to product availability restrictions
• If customer is using FHTB loan towards deposit, this will not count towards minimum 10%.

See our Shared Ownership criteria for full details.