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The maximum we will lend will depend on how much of the property value you are borrowing (i.e. how much deposit you have):
A maximum of 85% LTV (excluding fees) will apply to new build houses and bungalows.
A maximum of 75% LTV (excluding fees) will apply to new build flats and maisonettes.
Properties built over 12 months ago – a maximum of 75% LTV (excluding fees) applies to studio flats, a maximum of 85% LTV (excluding fees) for flats and maisonettes and 90% LTV (excluding fees) applies to houses and bungalows.
For interest only mortgages, a maximum of 60% LTV (excluding fees) will apply where a suitable repayment vehicle is in place (please contact us for further clarification).
For self build and custom build mortgages, a maximum of 75% LTV (at completion of the project) will apply.