Maximum LTV

Residential policy

Maximum LTV by loan size

Loan size	Maximum LTV
	Full capital and interest	Interest only	Part and part
£80,000 - £600,000	95%	75%	85%
£600,001 - £1,000,000	90%
£1,000,001 - £1,500,000	85%
£1,500,001 - £2,500,000	80%		80%
£2,500,001 - £5,000,000	75%		75%
£5,000,001 - £10,000,000	60%	60%	60%

• Full capital and interest shows the maximum LTV where the whole of the mortgage is on capital and interest
• Interest only shows the maximum LTV for the amount of the mortgage being placed on interest only
• Part and part shows the maximum total LTV for the mortgage where capital and interest is used to top up the LTV above the maximum LTV on interest only

Restrictions

• Product fees can be added to the loan, but the total borrowing must not exceed 95% LTV
• Remortgages are available to 95% LTV if there is no additional borrowing, otherwise it’s max 90% LTV
• To check more specific LTV restrictions, view our policies on capital raising, debt consolidation, flats, new build, and second residences

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