Loan to Value Criteria
The appropriate LTV is determined by the total amount of the mortgage (i.e. existing balance plus amount of Further Advance) expressed as a percentage of the lesser of the property value or purchase price.
Max LTV Table
| Product | Max LTV | Details | ||
| Property value of < £300,000 | Property value of > £300,000 and < £750,000 | Property value of > £750,000 | ||
First time buyer |
Max 95% |
Max 90% |
Max 80% |
Max LTV is subject to repayment capacity |
Home mover |
Max 95% |
Max 90% |
Max 80% |
|
Switcher |
Max 95% |
Max 90% |
Max 80% |
|
Further advance |
Max 95% |
Max 90% |
Max 80% |
|
New builds |
Max 90% |
Max 90% |
Max 80% |
|
Self-Build |
Max 75% LTV |
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1 bed apartments |
Max 80% LTV |
|||
2 bed apartments |
Max 90% LTV |
|||
holiday home / second home |
Max 80% LTV |
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IMPORTANT: This site is solely for the use of FCA authorised mortgage intermediaries registered with AIB (NI). If you're not a mortgage intermediary or professional advisor and would like information about a mortgage please go to our Personal Banking site.
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