Build your dream home with the right mortgage for a new build, tailored to your plans from foundation to finish.
A New Build Mortgage is designed for those purchasing a newly constructed property or one that’s yet to be completed. Whether you’re buying off-plan or ready to move into a freshly built home, Sentinel Financial helps you secure a new build mortgage tailored to your timeline, builder requirements, and financial goals.
We will explain how stage-payment mortgages work for properties under construction, how new build mortgage criteria differ from standard lending, and how to plan for completion deadlines or mortgage offer extensions if your build is delayed.
We’ll also help you compare the latest new build mortgage rates from leading new build mortgage lenders in the UK, and guide you through available deposit unlock schemes or incentives from developers.
Note: Your home or property could be repossessed if you do not keep up repayments on your mortgage or other loans secured against it.
Buying a new build comes with exciting advantages like modern design, better energy efficiency, and fewer repairs. But it also means managing details such as staged payments, builder timelines, and valuation schedules.
We help you compare fixed-rate new build mortgages, review deposit requirements, and understand loan-to-value (LTV) thresholds, such as 85%, 90%, or 95% LTV new build mortgage options available in the market.
We’ll ensure you’re clear on mortgage offer validity for new builds, builder incentives, and warranty coverage, such as the NHBC new build warranty, so you can move forward confidently.
We’ll guide you from reservation to moving day with clarity and confidence, so your new home journey stays on track.
Understanding your credit profile is an important first step before applying for a mortgage as it helps to understand how lenders see you. Your credit report highlights your financial history, any missed payments, and factors that may affect your application.
Reviewing it early lets you correct inaccuracies, improve your score, and move forward with clarity.
Let’s explore how much you could borrow, mortgage options, and start shaping your first mortgage plan. Contact us now for an initial review.
As an experienced mortgage broker for first-time buyers, we’ll ensure your application process is smooth, transparent, and aligned with your goals.
From application to moving day, we’ll handle the details and paperwork so your home-buying journey feels smooth and stress-free.
Access a wide range of lenders, from high-street names to niche specialists, so you’re never limited to one-size-fits-all deals
We break down complex terms and explain in a clear, simple way, helping you make confident, informed decisions every time.
We’re here to help whether you have questions, need advice, or want a quote.
All emails to connect@sentinelfinancial.co.uk
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