New Build Max LTV - help needed

HU001

Hi,

I am looking for advice on maximum LTV for a new build flat. Flat is £152,995 - and have £23,500 (15% deposit) - are there any lenders that will lend 85% on a new build flat?

I have £13,000 of un-secured credit I am about to pay off. Am I better to use this £13,000 to increase the LTV to 80% (so £30,599), but then still owe the £13,000?

My broker has recommended applying to Abbey - but looking at their website it doesn't look like it will be successful - maximum LTV 70%. Also, if I pay off the £13,000 now - when the lender checks my credit assume this will still show, and therefore they might not pass my application anyway. I have a good credit rating though - never missed any minimum payments on the un-secured credit,

Any advice/help would be greatly received,

Thnks