New Build Mortgages

We can provide a unique and comprehensive solution for individuals seeking to purchase new build properties.

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Our expert knowledge of new build mortgages and having exclusive access to specialised mortgage products tailored specifically for new builds set us apart from other advisers in the market.

Buying a new build, especially off-plan, can be complex and time-sensitive. We can offer personalised support, taking the time to comprehend your financial situation, plans, and aspirations fully. Armed with this understanding, we can leverage our extensive network of high-street banks, private banks, and specialist lenders.

New build developers often impose stringent deadlines, causing stress for both first-time buyers and experienced homeowners. With some developers allowing as little as 28 days for contract exchange after deposit or plot reservation, time is of the essence. Our expertise and industry relationships are necessary to expedite your mortgage application, ensuring you meet these critical deadlines with minimal stress.

In cases where your property won’t be ready for several months, potential challenges arise as some new build mortgage products have a limited validity period of only three months. However, our extensive network of contacts and exclusive new-build mortgage products equip us to assist you in meeting these developer deadlines effortlessly.

For a more in-depth discussion about your new built mortgage and if you want to obtain regulated financial advice, The Mortgage Blog can help you by introducing you to Trinity Financial.

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What to expect

Financial Assessment

First, your advisor will examine your financial situation to determine what you need and can afford. This step is essential to determining your borrowing capacity. They’ll also advise you on the right insurance to safeguard your mortgage, such as life insurance, income protection, critical illness coverage, and building and contents insurance.

Mortgage Search

Next, your advisor will scour the market for the best mortgage deals tailored to your needs. With access to a vast range of lenders and even exclusive offers that aren’t available to the public, they’ll help you get the most value for your money.

Agreement in Principle

Once your advisor has a few options, they’ll go through them with you and, after finding the right fit, will do a credit check with the recommended lender. If all goes well, you’ll secure an Agreement in Principle, giving you a solid property search budget.

Offer Accepted

When you’re ready to proceed, your advisor will apply to the chosen lender with all the necessary paperwork. They’ll also provide you with a clear mortgage illustration, showing exactly what you’re signing up for.

Application Progression

During this phase, your advisor and their team will coordinate with the seller’s agent for the bank’s property valuation and keep you in the loop at every step. They’ll also handle any questions from the lender to ensure things stay on track.

Mortgage Offer

Once the offer is ready, your advisor will review it carefully to ensure it meets your expectations. You’ll receive a copy for your records, and a second copy will be sent to your solicitor.

Exchange of Contracts

At this stage, any insurance policies you’ve set up will go live, giving you peace of mind that everything is covered.

Completion

Congratulations! With contracts signed and everything finalized, it’s time to collect your keys and enjoy that hard-earned sense of relief—you’re officially a homeowner!

Our Experts

With The Mortgage Blog, you’ll have a dedicated team supporting you every step of the way. We’ll lift the burden, saving you time and sparing you the stress.

Our exceptional brokers will find the best mortgage deal for you, and with our wealth of experience, you’ll be holding the keys to your new home before you know it!