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Loan-to-value (LTV) maximum loan size

Non-new build properties

The following table gives the maximum loans by LTV, property type and region for non-new build properties:

LTV Houses in London & South East Flats in any location / Houses not in London & South East
95% ≤£700K* ≤£500K*
90% ≤800K ≤£500K
85% ≤£1M ≤£1M
80% ≤£1M ≤£1M
70% ≤£1M ≤£1M

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

New build properties

The following table gives the maximum loans by LTV and property type for new build properties:

LTV New Build Houses New Build Flats
95% - -
90% ≤£500K** -
85% ≤£500K -
80% ≤£1M ≤£1M
70% ≤£1M ≤£1M

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

Remortgages

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

Related:

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