Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
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Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
Purchasing a new build property is an exciting venture, offering the opportunity to own a home with modern amenities, energy-efficient designs, and minimal maintenance needs. However, financing these newly constructed homes often requires a specialised mortgage product (New Build Mortgages) designed to accommodate the unique aspects of new build properties.
Discover how much you can afford to borrow.
Your home / property may be repossessed if you do not keep up repayments on your mortgage.
Last Updated: 8th April 2025
A new build mortgage is specifically designed to finance the purchase of a newly constructed property. Unlike traditional mortgages, which cater to properties already built and occupied, new build mortgages are tailored to accommodate the unique circumstances and requirements associated with purchasing a brand-new home.
One of the primary distinctions between new build mortgages and other types of mortgages lies in their flexibility and suitability for properties that are yet to be completed. Traditional mortgages may require a completed property with a valuation and may not be well-suited for properties under construction.
New build mortgages often offer special terms and conditions tailored to the specific needs of buyers and developers involved in new construction projects. These terms may include extended mortgage offers to accommodate construction timelines, staged payments to align with project milestones, and flexibility in valuation processes to account for the unique nature of new build properties.
Opting for a new build mortgage presents several advantages for prospective homebuyers:
Modern Amenities and Energy Efficiency: New build properties often incorporate the latest construction standards and energy-efficient features, resulting in reduced utility costs and enhanced comfort for occupants.
Customisation Options: Purchasing a new build property provides buyers with the opportunity to personalise finishes, fixtures, and layouts to suit their preferences, ensuring a home that truly reflects their unique style and needs.
Lower Maintenance Costs: New build properties typically require less maintenance and repairs compared to older homes, offering peace of mind and potential cost savings over time.
Incentives and Discounts: Developers frequently offer incentives and discounts to attract buyers to new build developments. These incentives may include discounts on purchase prices, complimentary upgrades, or assistance with closing costs, providing additional value for buyers.
At ABC Mortgages, we understand that navigating the complex world of mortgages, especially when it comes to new build properties, can be overwhelming. That’s why we stand out as your premier choice for securing your new build mortgage. Here’s why:
With years of industry experience under our belt, we have honed our expertise in new build mortgages. We possess an in-depth understanding of the intricacies involved in financing new construction homes. Whether you’re a first-time buyer, seasoned investor, or looking to upgrade to a new build property, our knowledgeable team is here to guide you every step of the way.
We believe that obtaining a mortgage shouldn’t be a daunting task. That’s why we prioritise simplicity and transparency in our approach. At ABC Mortgages, we streamline the mortgage process, breaking down complex financial jargon and guiding you through each stage with clarity and ease. From the initial consultation to the final approval, we are committed to making your journey to homeownership as straightforward as possible.
When you choose ABC Mortgages, you’re not just securing a mortgage – you’re gaining a trusted partner dedicated to helping you achieve your homeownership goals. Experience the ABC difference today.
Thank you for considering ABC Mortgages as your trusted partner in securing a new build mortgage. Our team is dedicated to simplifying the complexities of the homebuying process and guiding you towards a seamless and successful homeownership journey.
With expertise, professionalism, and a genuine commitment to your success, we are ready to assist you every step of the way. Whether you’re a first-time buyer or a seasoned homeowner, we have the knowledge and resources to tailor a mortgage solution that meets your unique needs and aspirations.
Take the first step towards owning your dream home today. Contact us today to schedule a consultation and discover how ABC Mortgages can make your homeownership dreams a reality. We look forward to working with you.
How long does a new build mortgage offer last?
Most new build mortgage offers last between 6 to 12 months, compared to standard 3–6 month offers on existing properties. This longer validity helps account for delays in the construction process.
Do I need a bigger deposit for a new build home?
Some lenders do require a larger deposit for new build homes—especially new build flats—typically around 10% to 15%. However, with the right broker, you may still access low-deposit mortgage deals in Kent.
Is it harder to get approved for a new build mortgage?
Not necessarily—but lenders do assess construction timelines, property warranties, and valuation stability more closely with new builds. Working with a specialist mortgage broker in Kent can improve your chances of approval.
What are the benefits of buying a new build home in Kent?
Some top benefits include:
How can ABC Mortgages help me get a new build mortgage in Kent?
At ABC Mortgages, we specialise in securing competitive deals on new build mortgages across Kent. Whether you’re buying off-plan or nearly completed, we simplify the process, handle complex paperwork, and ensure your mortgage offer aligns with your build schedule.
Important Information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
ABC Mortgages Ltd trading as ABC Mortgages are an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
ABC Mortgages Ltd are registered in England and Wales. Registered No:13184891. Registered OƯice: Suite 103, St Georges Business Park, Castle Road, Sittingbourne, Kent, England, ME10 3TB.
