New Home Mortgages

Whether you are a first-time buyer, moving home or simply wishing to take advantage of a more competitive rate, it is important that you have the right mortgage solution for you and your individual circumstances.

Mortgages for New Build Properties

New build properties can be attractive for many reasons; however, it is important to remember that when it comes to applying for a mortgage, lenders apply different loan criteria than they do when lending against established properties.

Fairstone specialises in mortgages for new build properties. We have long-term relationships with many of the UK’s largest house builders and the expertise to help you navigate their incentives and offers.

Our team of experienced mortgage advisers understand that only certain lenders will accept mortgage applications for new build properties and will ensure that you only apply to appropriate lenders, saving you time and helping you to secure your new home.

Exclusive Rates

As new build mortgage specialists, Fairstone has access to exclusive new build mortgage rates which are not available on the high street. 

We can also help you access lenders with extended offer periods for new build purchases to help if you are buying off plan, enabling you to secure your property based on a future completion date.

Help to buy

Help to Buy is a range of Government backed schemes to help people like you buy their own home. There are different types of home ownership schemes under the umbrella of Help to Buy. 

Fairstone’s experienced mortgage advisers can help you decide which scheme would be best suited for your personal situation and check if you are eligible.

Protecting you and your property

A mortgage is the biggest financial commitment most of us make in our lifetimes and it is vital that you are protected should the unexpected happen.

Fairstone’s specialist protection advisers can help you choose a comprehensive protection package that’s right for you and your family. 

We can help you ensure that, should the worst happen, your home and possessions are protected and you can still meet your mortgage payments.

This could include:

  • Buildings and contents insurance
  • Life cover
  • Critical illness cover
  • Cover for long-term sickness

What we need from you

In order to assess your requirements and provide you with indicative mortgage costs, our adviser will need the following:

  • Full names and three years address history
  • Details of your occupation and income (latest two years income figures if self employed)
  • Your deposit amount
  • Details of any current existing mortgages you have (including buy to lets)
  • Details of any other financial commitments such as car loans, bank loans, credit cards etc
  • Details of the property you would like to purchase including purchase price, accomodation and anticipated build completion date.