Criteria guide

Loan-to-value (LTV) maximum loan size

Non-new build properties

The following table shows the maximum amount we can loan by LTV and property type for non-new build properties:

LTVHousesFlats
95%≤£700K*≤£500K*
90%≤800K≤£500K
85%≤£1M≤£1M
80%≤£1M≤£1M
70%≤£1M≤£1M

*Lending to 95% LTV is allowable where the application meets additional criteria.

New build properties

The following table shows the maximum amount we can loan by LTV and property type for new build properties:

LTVNew Build HousesNew Build Flats
95%--
90%≤£500K**-
85%≤£500K-
80%≤£1M≤£1M
70%≤£1M≤£1M

**Lending to 90% LTV is allowable where the application meets additional criteria.

Remortgages

LTV is limited to 90% for all remortgages. Further limits apply to remortgages with additional borrowing.