Teachers for Intermediaries has lifted maximum lending on new-build houses and flats to 95% LTV, while The Cambridge has opened applications for a Rent to Home initiative that can allow qualifying renters to put up to 70% of rent paid towards a future deposit. The Cambridge has also launched a 98% First Step mortgage range, widening the range of low-deposit routes available to first-time buyers.
Access is not expanding uniformly. Foundation has withdrawn 90% LTV products, demonstrating that higher-LTV availability remains lender- and segment-specific. Advisers should avoid treating a headline maximum LTV as a universal solution: new-build criteria, property type, credit profile, affordability and scheme rules remain decisive.
AI-enabled sourcing and document workflows can quickly compare criteria across lenders and flag eligibility gaps, but advisers need robust controls around data quality, explainability and verification. The key client outcome is a sustainable route to ownership, rather than simply maximising borrowing.