New build? No problem

Buying a new build? We’ll guide you through it

There’s nothing quite like stepping into a brand-new home – fresh paint, shiny fixtures, and the chance to make it truly yours. But when it comes to mortgages, buying a new build can feel a little different. That’s where we come in.

At The Happy Mortgage People, we make sure your mortgage keeps pace with your move. From tight developer deadlines to lenders with specific new build criteria, we’ll handle the details and keep everything on track.

How we help

• We search the mortgage market to find lenders who are happy to support new build purchases.
• We explain exactly what’s needed, including how to use incentives like Help to Buy ISAs or developer discounts.
• We work to your developer’s timescales, so you don’t risk losing your dream home.
• You’ll have one dedicated adviser by your side from your first viewing right through to move-in day.

Things to know about new build mortgages

• Deadlines: Developers usually expect you to exchange contracts quickly – sometimes within 28 days. We’ll make sure your mortgage is lined up on time.
• Deposit requirements: Some lenders ask for a larger deposit on new build homes, especially flats. We’ll explain what’s realistic for your budget.
• Valuations: Lenders may value a new build slightly differently to an older home. We’ll prepare you so there are no surprises.

Protecting your fresh start

Your new home is a big investment, and we’ll help you protect it. From home insurance to income and critical illness cover, we’ll make sure you and your family are secure.