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New build incentives

We don’t lend on new build developments where incentives paid to the purchaser are more than 5% of the purchase price.

Where incentives are less than £2,000, the incentive is allowed with no change to lending.

Where incentives are greater than £2,000 but no more than 5% of the purchase price of the property, the value of the incentive will be deducted from the property value when calculating the LTV.

We class any items supplemented by the developer or vendor as incentives, including contributions to deposits.


Gen H

Building a fairer housing market

© Imagine Mortgages Limited 2023

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.

07723 954895

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