New Build
Why New Builds are Great for Your Investment
New build homes represent a smart step onto the property ladder, backed by over 300 years of housing evolution in the UK. When you buy a new home constructed to modern standards, you gain access to remarkable advantages that older homes simply cannot match.
Year-round Energy Efficiency: New build homes are designed to be energy efficient, often achieving EPC ratings of A or B. With 99% of new homes holding an EPC rating of B or above compared to only 5% of second-hand homes, your energy bills drop significantly through superior insulation and modern heating systems.
Low Maintenance Costs: Brand new fixtures and a 10-year warranty mean minimal repair expenses. Most new-build homes come with a 10-year warranty if the developer is registered with the National House Building Council (NHBC), providing peace of mind against costly repairs.
Flexible Mortgage Options: Access whole-of-market products specifically designed for new builds, with lenders like Barclays now offering up to 95% LTV for eligible properties up to £600,000.
Government Incentives: Benefit from schemes including Shared Ownership and First Homes, plus stamp duty relief designed to help you save money on your purchase.
Professional new build mortgage advice ensures you secure optimal financing for your dream home while navigating the buying process with confidence.
Our New Build Services
First-Time Buyer New Build Mortgages
We specialize in helping first time buyer clients secure mortgage products tailored for new build properties. Our team guides you through government schemes like Shared Ownership and First Homes, where qualifying properties can be purchased at discounts of 30-50% off market value.
For properties under £425,000, we optimize your stamp duty position to maximize savings. Some new-build developers provide incentives to cover stamp duty costs, which can lead to significant savings for buyers stepping onto the property ladder for the first time.
Buy-to-Let New Build Investments
For investors seeking quality homes with strong rental potential, new build developments offer compelling advantages. The average new-build home emits 65% less carbon than a pre-existing property, making them attractive to environmentally conscious tenants.
Our advice covers investment mortgage products, portfolio building strategies focused on energy efficient properties, and rental yield calculations for new developments across the UK market.
Our Top 10 New Build Advantages
EPC Rating A/B
Superior energy efficiency compared to older properties means lower running costs. New-build homes typically emit 65% less carbon than older homes, making them a more environmentally friendly choice.
10-Year Warranty
NHBC coverage protects against structural defects, with most new builds registered with the National House Building Council providing complete peace of mind.
No Chain Complications
Direct purchase from developers simplifies transactions. Most purchases of older homes involve a chain of buyers and sellers, which can lead to delays or the sale collapsing—a worry you avoid with new builds.
Customization Options
New builds typically have customizable finishes when purchased off-plan, letting you personalize kitchens, flooring, and fixtures before completion.
Government Schemes
Access First Homes discounts of 30-50%, Shared Ownership from just 10% ownership, and stamp duty relief programs designed to make your first home affordable.
Lower Running Costs
With 95% of existing UK homes rated EPC C or lower, switching to a new build rated A or B can save substantial amounts on annual energy bills compared to older homes.
Modern Safety Standards
Homes built to latest building regulations under Part L 2021 standards meet current fire safety codes and building requirements.
Smart Home Technology
Many developments feature pre-installed broadband infrastructure and smart heating systems for modern living.
Community Amenities
Many new-build developments focus on creating a sense of community, often including parks, play areas, and nature reserves on site for residents to explore.
Capital Growth Potential
New builds in strategic locations offer strong investment returns, particularly in areas with proven transport links and growing local infrastructure.
Our New Build Mortgage Process
Initial Consultation and Requirements Assessment
Your journey begins with a comprehensive initial consultation where our team assesses your new build purchase goals and financial situation. We explore available government schemes and eligibility criteria—whether you’re searching for Shared Ownership, First Homes discounts, or standard mortgage products. We provide pre-approval guidance for reservation deposits, helping you secure your chosen plot with developers before completion.
Whole-of-Market Product Selection
Access to the whole mortgage market. We compare fixed rates, high LTV options (including 95% products where available), and cashback deals to find your perfect match. The process of buying a new-build home is generally simpler than buying an existing home, requiring only a simple application and a reservation fee. We secure your agreement in principle before property reservation, giving you confidence when speaking with developers.
Application Management and Developer Liaison
We manage your complete mortgage application with new build timeline coordination built in. Lenders like Metro Bank offer mortgage offers valid for nine months specifically to accommodate construction delays—we ensure your financing aligns with realistic completion forecasts. Our support includes regular updates on build progress and direct liaison with developers, solicitors, and surveyors throughout the process.
Completion Support and Ongoing Advice
Final mortgage approval is aligned precisely with property completion dates. It’s advisable to get a survey done when buying a new-build home to identify any workmanship issues or defects before finalizing the purchase—95% of new homes have minor defects that need addressing after moving in. Post-completion, we provide ongoing advice for remortgaging when your initial deal ends and support for portfolio expansion.
Client Experiences
"Securing our 95% LTV mortgage on our off-plan apartment was smooth and stress-free. They handled all coordination with the developer perfectly."
Mark and Sarah T.
First-Time Buyers, Southampton
"The 9-month extended mortgage offer was crucial for our development project due to material delays. Truly specialized insight."
Elena R.
Property Investor, London
"Outstanding guidance regarding Shared Ownership criteria. They helped us clarify structural differences from regular purchases effortlessly."
David L.
Home Mover, Portsmouth
Frequently Asked Questions
Contact Us
Start Your New Build Journey Today
Discover expert new build mortgage advice tailored to your circumstances. Whether you’re achieving your first home through government schemes, moving home to a more energy efficient property, or building a buy-to-let portfolio, our team provides the support you need.
Your home may be repossessed if you do not keep up repayments on your mortgage.
See the regulatory information in the website footer.