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In most cases, the process of applying for a mortgage is the same regardless of whether your home is newly built. However, if you are purchasing before the property has been built, you are in theory buying off plan which means you need to exchange within 28 days. With such tight timescales it means that getting to exchange and completing your mortgage application smoothly and successfully can impact on your new build property.
If you’re purchasing an already built new build property, it’s the same process as applying for a standard residential mortgage, for more information read our applying for a mortgage guide.
We often get asked about the process of applying for a mortgage for new build properties, that’s why we’ve put together our most frequently asked questions about mortgages for new builds which have been answered by our mortgage experts.
You can find these answers below or ask your own question and our knowledgeable mortgage experts will endeavour to help.