We get to know your goals, deposit, and developer deadlines.
New Build Mortgage Advice That Fits Your Timeline
Honest, experienced support to help you secure your new home, with guidance shaped around your developer deadlines and your personal goals.
Our Solution
New Builds Come With Extras, Including Mortgage Challenges
New build homes come with many positives: no previous owners, energy efficiency, and the chance to make it your own from day one.
But they also come with unique challenges: tight deadlines, mortgage offer expiry dates, and developers pushing for speed.
At AS Financial, we specialise in new build mortgage advice that works to your timeline, not the other way around.
We know how to work with developers, navigate mortgage offer validity windows, and handle incentives or valuation complications that can trip up less experienced advisers.
Book Your Free Consultation and Get Ahead of The DeadlineWhat to Know Before You Buy a New Build Home
We’ll walk you through all the things that matter, even the ones no one tells you about.
Lender restrictions
Not all mortgages are available for new builds, especially apartments or flats. We know which lenders to approach.
Deposit expectations
You may need 10–15%, though 5% is possible through schemes like Deposit Unlock.
Deadlines are tight
Developers often expect exchange within 28 days. We help you move quickly and smartly.
Incentives can affect valuations
Cashback or flooring upgrades might reduce the property’s mortgageable value. We help manage this with your lender.
Protection matters
Even with a brand-new home, income protection or life cover is worth considering to safeguard your future.
How We Help
How We Help New Build Buyers
We know new builds aren’t a one-size-fits-all. Our advice is practical, personal, and shaped by years of experience working with UK developers and specialist lenders.
Whether you’re purchasing off-plan or facing a deadline to exchange, we work to make the process easier and more transparent.
We won’t rush you into the wrong deal. We’ll explain your options in plain English and guide you through every step, including those last-minute calls from your solicitor.
No sales talk. No shortcuts. Just solid advice from people who know new builds inside out.
Our Process
From Reservation to Move-In, We’re With You
Here’s what working with AS Financial looks like on a new build journey:
01/
Initial Discovery Call
02/
Lender Search
We shortlist lenders with strong new build policies and suitable timelines.
03/
Application Support
We prepare and submit the paperwork, including any requirements tied to incentives or scheme use.
04/
Protection Planning
We offer honest advice on income or life cover if you’d like to consider it.
05/
Support Through Exchange
We manage progress alongside your solicitor to help meet the 28-day exchange period.
06/
Completion Check-Ins
We keep in touch through build delays, valuation changes, or last-minute lender requests.
We reserved our new build flat and had just 28 days to sort a mortgage. AS Financial were calm, proactive, and knew exactly which lenders worked well with new builds. They explained everything clearly, got us approved in time, and even helped us prepare for the legal side. They were the steady hand we needed.
Priya & Sam
First-Time Buyers, East London
Need Help
New Build Mortgage FAQs
Is it harder to get a mortgage on a new build?
Not necessarily – but fewer lenders offer them, and the terms can differ. We know which ones
to approach.
Can I use a 5% deposit on a new build?
Some lenders allow this, depending on your circumstances and the scheme used. We’ll talk you through the options.
What if the property isn’t ready yet?
That’s common. We’ll help ensure your mortgage offer remains valid for the required time, and what to do if delays arise.
Are there extra fees with new builds?
There can be, especially with valuations or legal requirements. We help you budget with clarity upfront.