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  • First-Time Buyer
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NEW BUILD HOME Mortgage Advice mouse

No Stamp Duty

95% Mortgage

These types of deals have proven really popular with first time buyers in recent years, and it has helped more people take that all-important first step to get on the property ladder. Many lenders are taking advantage of these offers, joining them with very attractive mortgage deals, allowing your new home a much more affordable become reality.
There are so many options available to those looking to buy a New Build home, this includes the Government’s Help to Buy Affordable New Build scheme, this allows you to buy a home with as little as a 5% deposit. A benefit of this scheme is that it allows you to retain 100% ownership of your home, with a 15% equity loan from the government.

MORE ON NEW BUILD

USING HELP TO BUY TO PURCHASE A NEW BUILD.

You can buy a new build property in England for up to £600,000 and only need a deposit of 5% of the property. You could also be eligible for the Help to Buy equity scheme.
Under the Help to Buy, the UK Government will lend you a further 20% of the purchase price, this means only need a mortgage for the remaining 75% once your 5% deposit is considered. In London, you can apply for a government loan of up to 40% of the property price.

 

Incentives

There are a few developers that offer incentives to tempt buyers, this includes stamp duty  costs paid by the lender. 

IS A NEW BUILD A GOOD INVESTMENT?

If buying off-plan, you will usually be able to do so a discount. Newbuild may be considered as a good investment

ONCE OFFER IS SUBMITTED

To secure a reservation for a plot for your new build home, all you will need to do is put down a reservation fee. There are developers who work to tight timescales such as 28 days from the point you pay the deposit to when you exchange contracts. This means you would need to apply for your mortgage as soon as possible.

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