Higher LTV criteria and top tips

When submitting an application, it’s important that you check our lending criteria to avoid a delay in your case. Please refer to our current SLAs throughout your application.

Supporting you when submitting an application for lending greater than 85% 

Eligibility

The following criteria will apply to all lending greater than 85%:

  • Maximum term of 40 years
  • No New Build properties (except under Deposit Unlock)*
  • No income from applicants who are currently on furlough schemes – if previously furloughed, they must have returned to work fully and no longer be receiving any element of furlough income
  • Maximum loan £750k
  • We won't accept Non New Build flats/maisonettes with less than 90 year lease term

* A 'New Build' is a property built, converted or fully refurbished, within the last two years, which has never been sold. This includes properties that have been occupied, or rented out, but still in the ownership of the builder/developer. Properties that were built, converted or fully refurbished more than two years ago are not considered New Builds. 

Please check the application meets all the criteria below – if it doesn’t the application will be declined.

First time buyer

To be eligible for first time buyer products all applicants must meet the first time buyer definition.

See our First time buyer hub

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