Buying a new build home is exciting, but the mortgage side can be tricky.
Tight deadlines. Limited lender choice. Incentives that affect your affordability. And stricter criteria, especially for new build flats.
At Mortgage Knight, we’re here to make it simple. We work with buyers, movers, and investors to secure fast, flexible new build mortgages — even with low deposits, short timelines, or unusual setups.
Lenders define a “new build” as:
If you’re buying off-plan or just completed, it likely counts, and lenders will apply specific rules.
That’s why it pays to work with a broker who’s done it before — many times.
We don’t just quote you a rate. We guide you from plot reservation to key handover.
Dan & Priya wanted to buy a £310,000 new build with a 5% deposit. We arranged a 95% LTV mortgage using the Deposit Unlock scheme with a lender that specialises in new builds, securing the plot in time.
Alex, a portfolio landlord, bought a new build flat in a London development. We found a lender comfortable with the developer, building height, and leasehold structure, and secured the mortgage in 3 weeks.
Holly bought off-plan and needed a mortgage offer that would stay valid for 6 months. We worked with a lender offering extended offer periods, so she could exchange without worrying about expiry.
A: Yes — some lenders accept 5% for new build houses (and sometimes flats) via Deposit Unlock or shared ownership. We’ll find the best match for your budget.
A: Sometimes. Many lenders offer 3–6 month offer validity. If you’re buying off-plan, we’ll place you with a lender offering longer deadlines or extensions.
A: Yes — they must give consent, but this is standard. We’ll handle the paperwork and liaise with both lenders on your behalf.
A: It can be — some lenders restrict high-rise flats or buildings over commercial premises. But we work with specialist lenders who accept these property types regularly.
A: Absolutely. Many new build homes are sold under shared ownership. We’re experienced in arranging these mortgages with the right lenders and housing associations.
The team made everything easy, even with my complicated income. I'd been turned away before, but not here.
If you’re buying a new build, time matters — and so does working with someone who knows the process inside out.
Contact Mortgage Knight today for fast, expert advice on securing a mortgage for your new build home — and let’s make sure you hit your deadline with confidence.
New build expertise. Smooth process. Keys in your hand.
