Your home may be repossessed if you do not keep up repayments on your mortgage.
How We Help
A mortgage shaped around you.
- Clarity on what you can afford
We review your budget and borrowing potential upfront, so you can reserve a new build with confidence. - A mortgage tailored to new-build timelines
We find lenders who offer extended offers and products suited to developer deadlines and build schedules. - Guidance through new-build requirements
From developer conditions to construction milestones and lender criteria, we explain each step simply. - Smooth management from reservation to completion
We coordinate with lenders, developers and solicitors, keeping everything on track so your move-in day stays stress-free.
The Areti Way
Start your new build journey
From developer deadlines to new-build criteria, we’ll help you navigate the extra steps with clarity.
Frequently asked questions
What makes new build mortgages different?
- New-build purchases come with tighter timelines, additional lender criteria and longer mortgage offer periods. There are more moving parts — but with clear guidance, the process stays simple and manageable.
Do I need a bigger deposit for a new-build property?
Often, yes. Many lenders ask for slightly higher deposits on new builds, especially flats.
How long does a mortgage offer last on a new build?
New-build offers can last 6–9 months, sometimes longer.
Can I reserve a property before having a mortgage agreed?
Yes, but it’s safer to have an Agreement in Principle first. It confirms what you can borrow and strengthens your reservation with the developer.
What happens if the build is delayed?
Most purchases complete in 2-3 months, but it can be faster or slower depending on searches, solicitors, and the chain.
