In these unprecedented times, buyers have seen their options for the higher LTV market dwindle to nothing, especially in Northern Ireland, as most lenders are looking for at least a 15% deposit, or 85% LTV (loan to value).

However, Nationwide Building Society has increased its maximum loan to value (LTV) for first time buyers and further advances to 90 %.

 The product range for first-time buyers has no set limit on the number of loans available to borrowers and is available through brokers.  There are however some enhanced criteria for these types of loans.

Mainly the property must be a house / bungalow at least two-years old, the maximum mortgage term is a maximum 25 years and applicants will be subject to enhanced affordability and credit score criteria.

“Nationwide hopes the move will provide some more reassurance and opportunity for its members and the market following a period of such uncertainty.”


Our goal is to offer every client of ours a unique and bespoke service, as no two mortgages are alike.  I am able to offer whole of the market advice for your mortgage, re-mortgage and buy to let needs, along with looking after all aspects of your protection.

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