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New build mortgages

A New Build is a property that has been newly constructed or converted and is being sold for occupation for the first time.

The New Build Mortgage market can differ from the main first time buyer and home mover markets. The main differences are as follows…

Buying a brand new home is very exciting and we have the speed and expertise to meet the demands imposed by the developers.

Lender restriction

Many lenders restrict their loan to value lending on new build properties when compared to the second hand property market. You may find that you need a greater deposit to buy a new build property. Your Blackstone adviser will be able to advise you as to the various lenders expectations in this regard.


Incentives offered by house builders, such as paying your legal fees or granting you a 5% deposit, can be an attractive reason to buy a new build home. However, lenders may not accept these incentives and may ask for a bigger personal deposit. We will work with you and the developer to confirm the acceptable incentives and help you get the best outcome for you.  


House builders usually require exchange of contracts to be within 28 days and this is something Blackstone will help you achieve. We have online tools so you can check the progress of your application and will work with your developer, keeping them and you informed every step of the way.


House builders may offer to buy your current home in part exchange for buying a new home from the developer. Your Blackstone adviser will clearly explain the ramifications of taking this route.

You may also be eligible for the Government’s Help to Buy scheme. 

Blackstone Financial Solutions have 25 years expertise in the financial sector and have access to an extensive range of products many of which are not available on the high street. As a result we are able offer a truly tailored and personal service built around you, the client. We will ascertain your individual needs, preferences and circumstances before recommending a mortgage.

Your adviser will save you time and money by finding the best product from the whole of the market and help ease the move by taking care of the paperwork from start to finish.  

We’ll also give you expert advice on protecting you and your mortgage. Again, we’ll explain your options and make sure you have the right kind of policy for you. You can be sure we’ll look after you, your mortgage and your home.

Blackstone want the best for each and every one of our clients.

Do call us now on Bristol 0117 403 0097.

“We had very little experience in buying property, Khalid was extremely helpful and explained everything thoroughly. He made us feel at ease through the whole process of buying our house, from getting us the right mortgage to insurance. He made a very stressful time a lot easier.”

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Contact us at either our Bristol or Keynsham office, or book a consultation.

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