Most lenders will provide a mortgage offer for a period of 6-months. We have access to lenders who can increase this to either 9 months or 12 months. This will cover you in case the builder experiences any build delays

Yes. Certain lenders will accept certain types of financial incentives from the builder and other lenders will not. It is always advisable to speak to an advisor before you agree any incentives with the builder/developer. This way we can ensure that you are getting the best deal whilst also meeting the mortgage lenders criteria

Yes. Speak to one of our team who can arrange this for you. The postcode for any new build property will more than likely not appear on any comparison websites. We have access to insurance providers who can arrange you the adequate cover. 

5%. Many lenders will restrict the loan to value on a new build property. There are options at higher loan to values however and you can purchase with as little as a 5% deposit.

We would always advise that you check with your developer/builder. All new build properties will require a new build warranty i.e NHBC, LABC and these will ordinarily cover you for 10 years. The mortgage lender will require a new-build warranty to be in place otherwise they would not lend against the property.

The majority of new properties will be deemed energy efficient. This will mean that they have an EPC rating of A or B. Mortgage lenders will offer you cashback incentives and lower rates of interest if your home is energy efficient. In some circumstances the lender may lend you a higher amount as they deem your affordability to be better, given the running costs of the property will be lower