90% new build lending is available on new build houses only, not new build flats.

Applicants must have a clean credit history, meaning 0 missed payments in the last 3 years.

At least 50% of the owners' total income must be derived from permanent employed income, excluding income received from a director's own limited company and fixed-term or zero-hour contracts.

Applications where the homeowners have no employed income are not eligible for 90% LTV new build borrowing.

Maximum loan and LTI multiples apply.