New Build Mortgages
Clear guidance to help you buy brand new
Buying a new build property often comes with extra advantages—modern layouts, lower maintenance, and energy efficiency. But it also comes with a few quirks in the mortgage process that are worth understanding upfront.
From reservation deadlines to developer incentives, I’ll help you make sense of how new build mortgages work, what to watch out for, and how to get your application in order—clearly and calmly.
Is This Right for You?
You might be exploring a new build mortgage if:
- You’re buying a home directly from a developer or builder
- You want the security of a brand-new, energy-efficient property
- You’ve been offered a Help to Buy-style scheme or developer incentive
- You’re facing a tight deadline to exchange contracts
- You want guidance on how lender valuations work with new builds
Download your free mini guide
Discover the 5 things you need to consider before applying for a mortgage as well as the key milestones along the way.
Frequently Asked Questions
Some lenders ask for a slightly higher deposit (especially on new build flats). I’ll help you compare options and see what’s realistic based on your budget.
Most developers expect contracts to be exchanged quickly—sometimes within 28 days. I’ll help you stay ahead of deadlines so nothing gets rushed or missed.
Lenders often place a time limit on mortgage offers, so we’ll plan around the build schedule to avoid delays or re-applications.
Yes — but lenders may factor that into their valuation. I’ll explain how different schemes or discounts could affect your borrowing.
Not everyone has a spotless credit history — but that doesn’t always mean you can’t get a mortgage. Some lenders are more flexible than others, especially if you’ve taken steps to improve your finances. I can help you understand how your credit score might affect things, and which lenders may still be open to working with you.
How I Can Help
A new build mortgage doesn’t have to feel overwhelming
New build purchases can move fast and feel unfamiliar — but they don’t have to feel stressful. I’ll explain everything you need to know in plain English, help you stay ahead of developer timelines, and guide your application from start to finish.