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 < £350,000 | Property value of > £350,000 and < £1,000,000 | Property value of > £1,000,000 | ||
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 80% LTV | |||
1 bed apartments | Max 80% LTV | |||
2 bed apartments | Max 90% LTV | |||
holiday home / second home | Max 80% LTV | |||
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