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Loan-to-value (LTV) maximum loan size

Non-new build properties

The following table shows the maximum amount we can loan by LTV, property type and region for non-new build properties:

LTVHouses in London & South EastFlats 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 to 95% LTV is allowable where the application meets additional criteria.

London and the South East includes areas I&J using the NUTS definition – see the Region section for more detail.

New build properties

The following table shows the maximum amount we can loan by LTV and property type for new build properties:

LTVNew Build HousesNew Build Flats
95%--
90%≤£500K**-
85%≤£500K-
80%≤£1M≤£1M
70%≤£1M≤£1M

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

Remortgages

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

Related:

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Gen H ® is the trading name of Imagine Mortgages Ltd, a company registered in England and Wales. Company registration number: 11465987.

Authorised and regulated by the Financial Conduct Authority.

Our Financial Services Register number is 921355.

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