Expert guides, market updates, and everything you need to know about buying a new-build home in the UK
Mortgages & FinanceNot all lenders offer new build mortgages. Compare which UK banks and building societies lend on new builds, their LTV limits, construction type restrictions, offer validity periods, and developer panel requirements.
Mortgages & FinancePractical guide to comparing mortgage lenders for new build homes in the UK. Learn to read ESIS documents, calculate true borrowing costs, choose between brokers and direct applications, and find lenders that specialise in new builds.
Mortgages & FinanceStep-by-step guide to the new build mortgage process in the UK — from DIP through to drawdown on completion day. How new build timelines differ from resale, what happens during valuation, offer conditions, and how to handle delays.
Mortgages & FinanceNew builds have a unique multi-layered deposit structure. Understand reservation fees, exchange deposits, mortgage LTV tiers, and how each stage works — with worked examples at every price point.
Mortgages & FinanceEvery mortgage problem that can go wrong when buying a new build home — down-valuations with worked examples, mortgage offer expiry during build delays, lender withdrawal after exchange, incentive cap complications, and step-by-step solutions for each.
Mortgages & FinanceUnderstand exactly how UK lenders assess mortgage affordability for new build homes — income multiples, stress testing, ONR data, self-employed rules, how developer incentives affect calculations, and practical steps to increase your borrowing power.
Mortgages & FinanceNot sure which mortgage product to pick for your new build? This decision guide matches mortgage types to your buyer profile, compares real costs over 2, 5, and 10 years, and shows how to time your mortgage around new build completion dates.
Mortgages & FinanceHow much can you borrow for a new build home? Understand income multiples, stress testing, what counts as income, what reduces borrowing, and how developer incentives and the new build premium affect your mortgage amount.
Mortgages & FinanceThe definitive guide to managing mortgage timing for off-plan and new build purchases — offer validity, extensions, construction delays, rate changes, exchange deadlines, long-stop dates, and what to do when things don't go to plan.
Mortgages & FinanceA complete guide to every mortgage type available for new build homes in the UK. Fixed-rate, tracker, discounted variable, offset, interest-only, guarantor, green mortgages, and shared ownership — how each works and when to choose it.
Mortgages & FinanceA complete guide to new build mortgage affordability in the UK — how lenders calculate borrowing capacity using income multiples, stress tests, and expenditure analysis, with strategies to maximise what you can borrow.
Mortgages & FinanceLooking beyond headline rates to find the cheapest mortgage for your new build. How to calculate total cost of borrowing, when fee-free beats low-rate, cashback deals, product transfers, and new build-specific deal considerations that could save you thousands.