New Build Mortgages – Get Approved Without the Headaches
London’s new build mortgage market isn’t for amateurs. If you’re trying to secure financing for a new build flat in Canary Wharf, a high-rise apartment in Nine Elms, or a townhouse in Stratford, you’re stepping into a market filled with red tape, lender restrictions, and developer demands that can make or break your deal.
We work with buyers, investors, and landlords who need financing solutions that actually fit London’s new build landscape—not just a generic mortgage offer from a high-street bank that will collapse the moment a delay hits. Our approach is built for real-world lending challenges, from loan-to-value (LTV) caps and affordability stress tests to managing mortgage offer expiries and developer contributions.
How We Secure the Best New Build Mortgage for You
We don’t waste time with lenders who don’t understand London’s new build landscape. Our approach ensures you get a mortgage that works for your exact buying situation, even when banks make it difficult.
- Mortgage Offers Valid for 12 Months – No surprises if the developer delays completion.
- High LTV Mortgages (Up to 90%) – Reduce your deposit burden and secure a mortgage with a lower upfront cash requirement.
- Lenders That Accept Developer Incentives – We work with lenders who factor in builder deposit contributions correctly, so you don’t get penalized for accepting incentives.
- Mortgage Structuring for Off-Plan Purchases – Buy now, finance later without losing your mortgage eligibility.
The Biggest New Build Mortgage Pitfalls – And How We Solve Them
Securing a new build mortgage in London comes with hurdles that can derail your purchase if not handled correctly—we make sure you avoid costly mistakes, delays, and lender rejections.
Your Mortgage Offer is Expiring Before Completion
Lenders typically only offer 6-month validity. If your developer is behind schedule, your mortgage could expire, forcing you to reapply at potentially higher interest rates.
Solution: We secure lenders offering 12-month validity periods and flexible extension policies.
Your New Build Property is Downvalued by the Lender
Lenders often value new builds below the purchase price, meaning you might have to cover the shortfall.
Solution: We work with lenders who have realistic valuation teams familiar with London’s new build market, reducing downvaluation risks.
You’re Stuck in a 75% LTV Mortgage When You Need 90%
High-street banks cap LTV at 75% for new builds, requiring a bigger deposit.
Solution: We secure lenders offering up to 90% LTV, keeping your upfront costs lower.
You’re Self-Employed, and Your Income Isn’t Being Assessed Correctly
Many lenders use a rigid income calculation for self-employed applicants, ignoring retained profits or dividend income.
Solution: We connect you with lenders that assess affordability based on net profits and retained earnings, not just salary withdrawals.
Our New Build Mortgage Services – Get the Right Loan Without the Pitfalls
We work with buyers, investors, and landlords in London who need fast, reliable, and flexible new build mortgage solutions.
- High Loan-to-Value Mortgages (Up to 90%) – Keep your cash flow intact with minimal deposit requirements.
- Long Mortgage Offer Validity (Up to 12 Months) – Avoid reapplying if your developer delays construction.
- Exclusive New Build Lender Access – Not all mortgage lenders finance new builds. We secure financing from lenders that understand the London market.
- Complex Income & Self-Employed Solutions – Don’t let rigid lender criteria hold you back. We structure your mortgage based on your full financial picture.
How Our Services Work
- Initial Consultation – We assess your financial situation, mortgage requirements, and lender options.
- Lender Matching – We identify the best lenders based on your deposit, income structure, and property type.
- Application Submission – We handle the paperwork, ensuring your application is structured to pass affordability assessments.
- Ongoing Support – If your developer delays completion, we negotiate mortgage offer extensions or alternative financing options.
Frequently Asked Questions
Most private lenders expect minimum net assets of £3M+ or an annual income of £300K+, but final terms depend on the lending structure.
Yes, many lenders offer non-resident mortgages, often structured via offshore trusts or international AUM agreements.
Standard lending caps at 75-80% LTV, but with asset-backed financing, 100%+ financing is possible.
Rates are often discretionary—based on total AUM, relationship strength, and collateral profile, not just credit scores.
Yes, using Lombard loans or portfolio-backed structures, property equity can be repurposed for liquidity.
Secure Your New Build Mortgage Now
Getting a new build mortgage in London shouldn’t feel like walking a financial tightrope. You need a lender who understands developer timelines, new build valuations, and the real risks involved—not just another bank that’s going to pull your offer if your completion date shifts by a few months.
If you’re serious about securing a mortgage that actually works for your new build purchase, let’s get started.
