Step 1
Income & Deposit
- Total income
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House or flat does not change the stamp duty. First-time buyer or homemover selects the rates, and the matching stamp duty.
- Total deposit
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New-build mortgages, from reservation to completion.
Advice on mortgages for new homes. First time buyers, movers, builder incentives and the loan that has to last until the developer is ready to complete.
Authorised and regulated by the FCA. Reference 717338.
Your figures
A first look.Start your journey in 3 easy steps.
Income and deposit in step 1, the loan in step 2, stamp duty in step 3. Every result is an illustration, not a mortgage offer and not what a lender will advance.
Step 2
Borrowing
- Deposit
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- Loan to value
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- Income multiple
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- Rate
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- Repayment monthly
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- Interest-only monthly
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Add a property value, loan and term. The rate is taken from the table below.
Step 3
Stamp duty
The price comes from step 2. England and Northern Ireland only. First-time buyer or homemover follows step 1. Additional property is the only choice you make here. House or flat does not change this figure.
- Purchase price
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Add a purchase price in step 2 to illustrate stamp duty.
Sample only
Sample new-build rates for this loan-to-value
A labelled sample, sample only — not a published new-build sheet. These are not new-build products from a lender rate sheet, not the residential rates from another site, and not a mortgage offer. Each deal shows the lowest sample rate with a product fee and the lowest sample rate with no fee. The lowest pay rate is selected to start. Choose another row and step 2 uses that rate.
Add a property value and loan amount in step 2 to see the sample rates.
- Each lender is matched on its own upper band. A lender that steps from 60% to 75% is shown at 75% for a loan between those figures. A higher band than that lender's next cap is left out.
- These rows are an illustration of the table, not a new-build range. Loyalty and existing-customer prices are not in the sample. An additional-property choice changes stamp duty only. It does not turn these rows into buy-to-let rates.
- The monthly figure uses your term and repayment split, at the product's initial rate, for the whole term. A fixed or tracker rate will not last the whole term. The product fee is not added to the loan.
- Part interest-only is not on every product, and several of these lenders cap it below 90% loan-to-value. Credit, income and property type can all remove a product. This is an indication of price, not evidence that you qualify.
Deposit
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LTV
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Income multiple
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Repayment monthly
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Interest-only monthly
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Total monthly
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Stamp duty
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Property type
Mortgage companies can treat a new-build house and a new-build flat differently. The same price does not mean the same loan. We check which rules apply to the plot before you reserve.
What we do
New-build mortgages
New-build purchase
A mortgage on a home that is not built, or not finished, yet.
Read moreFirst home
A first purchase on a new development.
Read moreMoving onto a new build
Selling, or keeping, a home you already own.
Read moreIncentives and part exchange
Builder contributions, part exchange and deposit help.
Read moreComing off a new-build deal
The fixed or tracker rate on a new home is ending.
Read moreWhat lenders ask
Warranty, retention, incentives and the plot itself.
Read moreProcess
How it works
01
Tell us the brief
Plot, price, deposit, income and when the developer wants exchange and completion. A short call or email is usually enough to see whether we can help and what the monthly cost might look like.
02
We search the market
We are not tied to one bank. We look for lenders who will consider that builder, that warranty and any incentive, including lenders that are not on the high street.
03
Recommendation
We talk through the options and help you decide which route to take. You get a clear recommendation, the costs, and an illustration. The figures on this website are not that recommendation.
04
Application to offer
We manage the application, chase underwriters, the valuation and the documents, and we keep you and your solicitor updated.
05
Offer to completion
Once the offer is in, we stay with it until completion. If the build date moves, we deal with the lender, the solicitor and the developer so the offer still fits.
Ready when you are
Call 0204 551 2123 or send a short brief. We will tell you quickly whether we can help — and what it is likely to cost per month.