The customer must have evidence of permission from Homes England/Help to Buy (Wales) Ltd before submitting an additional loan application. 

Additional lending can only be considered for staircasing (customer using the proceeds from the additional loan to repay their equity loan), essential modifications and transfer of equity (purchasing the full equity of the property from the current joint borrower). 

If the customer is staircasing, a solicitor must be instructed. 
Where there is to be an equity loan outstanding on completion of the additional loan: 

• the maximum LTV calculated using the mortgage amount plus additional loan amount is 75% 
• the maximum LTV calculated using the mortgage amount, additional loan amount plus the outstanding equity loan amount is 85%.

Where the equity loan is being repaid in full, normal LTV rules apply.