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 up to £750,000 Property value of > £750,000
First time buyer Max 90% Max 80%
  • Max LTV is subject to repayment capacity
Home mover Max 85% Max 80%
Switcher Max 85% Max 80%
Further advance Max 85% Max 80%
New builds Max 85% Max 80%
Self-Build Max 75% LTV
1 bed apartments Max 80% LTV