New Builds Mortgages
Longer completions, LTV restrictions and developer deals — new builds need a mortgage in place before the keys exist.
Why new builds?
Buying a new build property comes with its own set of mortgage considerations. From longer completion timelines and developer incentives to different deposit requirements and valuation approaches, new build mortgages require careful planning and specialist knowledge. Use our [stamp duty calculator](/calculators/stamp-duty) to see what tax you might owe on a new build purchase.
Many lenders have specific new build policies, including maximum loan-to-value ratios that may be lower than for existing properties, and requirements around the developer’s warranty. Some also restrict lending on certain types of new build, such as high-rise flats or properties purchased off-plan.
At Clearview Mortgage Solutions, we understand the new build process inside out. Our advisers work closely with developers and lenders to ensure your mortgage is in place when you need it, even when completion dates shift.
Key facts
90+
UK lenders compared
FCA
Regulated advice
Free
Initial consultation
CeMAP
Qualified advisers
Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our new builds calculator.
Open calculatorRun the numbers.
Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about New Builds mortgages
A guide to new build mortgages
Everything you need to know about buying a new build home, from mortgage requirements to completion timelines and snagging.
ReadDeveloper incentives explained
How developer contributions, gifted deposits, and upgrade packages work, and how they affect your mortgage.
ReadNew build vs resale properties
Comparing the mortgage process, costs, and practical considerations of buying new versus buying an existing home.
Read
Frequently asked.
It depends on the property type. For new build houses, many lenders accept a 10% deposit, similar to resale properties. For new build flats, some lenders require 15–25% due to the higher perceived risk. A broker can find lenders with the most competitive deposit requirements for your specific new build.
Talk to a specialist.
new builds mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
No-obligation chat
Book a call — we'll discuss your situation and what you're trying to achieve, no commitment.
Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.