Understand your position
We review your goals, income, commitments, deposit or equity and timescale.
SPECIALIST PROPERTY FINANCE
New-build mortgages
Specialist help with reservation deadlines, incentives and new-build lender rules. Speak to an adviser who will assess your full circumstances, not just a headline number.
No obligation · Initial conversation does not affect your credit score
Written and reviewed by Smart Mortgages specialistsReviewed 21 August 2026 · FCA reference 912358
How we help with new-build mortgages
Finding the right funding is about more than comparing rates. Property type, rental or trading income, experience, valuation and ownership structure can all change the outcome.
Compare suitable options
We assess lender criteria, overall cost and suitability, not only the initial rate.
Manage the application
Your adviser and case manager keep the lender, valuation and legal process moving.
Plan around the developer's deadline
New-build purchases can involve reservation deadlines, incentives, delayed completion and mortgage offers that may need extending. We help you prepare early and choose a lender whose criteria fit both you and the property.
Reservation period
Understand when the mortgage application must be ready and what the developer expects.
Builder incentives
Check how cashbacks, deposit contributions and upgrades are treated by the lender.
Valuation and warranty
Confirm acceptable warranty arrangements and how the lender will value the new property.
Offer extensions
Plan for construction delays and understand what happens if the mortgage offer expires.
Your Smart Mortgages contact
Joel, John, Sammi, Julie or Cheryl can help, matched to your location.
Plan around the developer's deadline FAQs
Can I use a 5% deposit on a new build?
Some lenders offer high loan-to-value new-build mortgages, but limits can differ for houses and flats and eligibility remains case-specific.
Will builder incentives affect my mortgage?
They can. Lenders normally require incentives to be disclosed and may restrict their value or adjust the valuation used for lending.
What if completion is delayed?
Your adviser can check whether the lender may extend or reassess the offer. A new credit, income or affordability assessment may be required.
Specialist knowledge that can make the difference
Our team regularly works with new homes, builder incentives and short completion deadlines. If a lender or another broker has already said no, that does not always mean there is no route forward. We can review your circumstances and whether a different lender or structure may be appropriate.
Frequently asked questions
How much can I borrow?
It depends on the property, income or rent, deposit or equity, experience, credit profile and lender policy. We provide a case-specific assessment.
Does an initial conversation affect my credit score?
No. An initial discussion with our team does not involve a lender credit search.
Can you help throughout the UK?
Yes. Our branches cover Northern Ireland and Scotland, and we advise clients across the UK.