STRONGER: New Build LTV extended to 90%  

For customers navigating affordability challenges. Giving more first-time buyers and home movers the chance to secure a modern, warranty-backed, energy-efficient property with a smaller deposit.

Scenario
A first-time buyer purchasing a £300,000 new build previously needed a 15% deposit (£45,000) under typical LTV caps. With our new 90% LTV option, that deposit drops to just £30,000 – £15,000 less upfront.

BOLDER: High LTV for more customers with adverse  

For customers with a less-than-perfect credit file. Our 95% LTV (up to 97% with fees) helps buyers move forward even if they have heavier adverse history (subject to credit score), and provides more opportunity to place cases that might otherwise be declined.

Available to those with:
Defaults: Up to 2 in 24 months (max £1,500 in the last 12 months)
CCJs: Up to 1 in 24 months (max £1,000 in 12 months or £2,500 in 24 months)
Mortgage arrears: Up to 1 in 12 months or 3 in 36 months (worst status)
DMPs: Satisfied >36 months

Scenario
A customer with a missed mortgage payment or recent default could purchase a £250,000 property with a deposit of just £12,500.

served JUST right

Our clear-cut criteria and reliable lending options continue our mission to make home ownership more accessible to more people, while empowering brokers with a consistent and dependable service. 

Now that’s grounds for celebration.