| Scenario | Max LTV | Additional Borrowing Cap |
|---|---|---|
Re-mortgage only | 90% | N/A |
Re-mortgage & TOE (Buy out partner) | 90% | None |
Re-mortgage & Staircase to 100% Shared Ownership (to full ownership) | 90% | None |
Re-mortgage & Repay Help To Buy Loan (to full ownership) | 90% | None |
Re-mortgage & Repay Shared Equity Loan (to full ownership) | 85% | None |
Re-mortgage & Home Improvements (Non-structural) | 85% | None |
Re-mortgage & Capital Raise (Gift To A Relative) | 75% | £10,000 (unlimited if for a house deposit for a close relative) |
Re-mortgage & Capital Raise (Lease Extension or Purchase of Freehold) | 85% | None |
Re-mortgage & Capital Raise (Purchase A BTL Property) | 75% | None |
Re-mortgage & Capital Raise (Purchase a 2nd/holiday home) | 75% | None |
Re-mortgage & Capital Raise (Purchase Timeshare) | 75% | £20,000 |
Re-mortgage & Capital Raise (Purchase Consumer Goods) | 70% | £20,000 |
Re-mortgage & Capital Raise (Repay 2nd Charge) | 75% | None |
Re-mortgage & Capital Raise (School Fees) | 75% | None |
Re-mortgage & Capital Raise (Evidenced Debt Consolidation) | 70% | Lower of £30,0000 or 10% of mortgage amount |
Re-mortgage On Unencumbered Property (Buy Out Partner/s Only) | 70% | None |