New-build mortgages, explained
Free guides to getting a mortgage on a new-build home — builder incentives, low-deposit routes, off-plan timelines, lender rules and more.
See which lenders would lend on your new-build — and how much — in about a minute.
Free · Zero credit impact · 58 UK lendersWhat's your incentive package really worth?
£15,000 builder deposit on a £300k house — fine at some lenders, an LTV cut at others.
Try the incentive calculator →What is the affordability check?
New-build LTV caps and the way lenders treat builder incentives vary from lender to lender. The check runs your figures through every lender's real affordability rules and shows which ones will lend on a new-build, and how much.
Tell us your figures
Income, deposit and the property you have in mind — a few questions, about a minute.
We check 58 real lenders
Your numbers run through each panel lender's own affordability rules, using the details you give.
See who'd lend, and how much
A ranked view of which lenders would lend to you, and the amount each would offer.
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see how lenders treat your incentive package →check how much you could borrow →
Builder incentives
How lenders treat deposit contributions, cashback and paid extras.
Read more →Low-deposit routes
95% ranges, 100% options like Track Record, and what replaced Deposit Unlock.
Read more →Off-plan timelines
Mortgage offers, 28-day exchange deadlines and long stop dates.
Read more →