Find out our criteria and loan to value’s (LTV) on new builds, and see how much we can potentially lend you.

Help to Buy

  • You are required to contribute at least a 5% cash deposit. This would then be topped up with 20% from the help to buy scheme, so the mortgage from Generation Home would be at 75% LTV.

  • You are unable to use income and deposit boosters if you plan to use the Help to Buy equity loan scheme.

  • Speak with your mortgage expert on any new build incentives to see if these are acceptable.

New builds 85%-90% LTV

  • Applications with self employed and contractor customers need at least 50% of the income used to support the mortgage to come from employed income.

  • If you are an employee of the NHS and do additional bank work, this income can be considered.

  • You will need to have at least a good credit score rating, and no missed payments showing on your credit file. Follow this link to understand more about what can affect your credit score.

  • Houses only

New builds up to 85% LTV

  • These are subject to our normal mortgage criteria

Please reach out to us on live chat, or via email if you have any questions.

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