New Build Mortgages
Specialist guidance for brand-new homes and off-plan purchases
New-build properties offer modern design, energy efficiency, and a completely fresh start–but the mortgage process can be more complex than buying an older home. Different timelines, tighter lender criteria, and developer deadlines all play a role.
Capricorn’s New Homes specialists are here to take the pressure off. With deep experience in securing new-build finance, we support clients across the UK and expats abroad.
Access to a broad panel of lenders with new-build expertise
As a mortgage brokerage, we search across mainstream lenders, specialist providers, and private banks to find the most suitable terms for your new-build purchase. Our clients benefit from:
- Award-recognised service
- Advisers experienced in new-build lending criteria
- Access to exclusive and early-release new-build products
- Strong relationships with developers and estate agents (the FCA does not regulate these types of business)
- Guidance tailored to off-plan or long-completion scenarios
Because we work closely with reputable lenders and property developers, you gain access to competitive rates and, in some cases, enhanced lender arrangements.
Support tailored to new-build buyers
New-build mortgages carry unique considerations, especially when purchasing off-plan or when completion dates shift. Our New Homes team can help with:
- Choosing lenders comfortable with extended timelines
- Managing validity periods on mortgage offers
- Securing optimal rates while accounting for construction delays
- Understanding new-build loan-to-value limits
- Navigating incentives and developer requirements
Whether you’re based in the UK or are a UK expat, we make the process straightforward and stress-free.
New-build mortgage solutions
- Mortgages for brand-new and off-plan properties
- Specialist support for long completion dates
- Access to lenders offering enhanced new-build terms
- Assistance with Government schemes such as Help to Buy (where applicable)
- Preferential and bespoke arrangements depending on lender relationships
Interested in a new-build?
Your adviser won’t just source the right mortgage – they can coordinate directly with your property developer, respond quickly to timeline changes, and keep your purchase moving smoothly. This proactive approach helps avoid delays and gives you confidence throughout the build cycle. Please note that some Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.