MOVA / New-Build Mortgages
New-build mortgage advice
Buying a new-build home? Get mortgage support around reservation deadlines, lender requirements and the expected completion date.
30-minute initial phone call · No cost · No pressure to proceed
- Review the developer’s dates
- Check property and incentives
- Track offer and completion timing
Mortgage lenders on our panel
- Halifax Intermediaries
- Nationwide for Intermediaries
- NatWest
- Barclays
- Santander
- HSBC
- Coventry
- Leeds Building Society
- Virgin Money
- Accord Mortgages
- Skipton Intermediaries
- TSB
- Bank of Ireland
- Aldermore Mortgages
- Kensington
- Pepper Money
- Bluestone Mortgages
- Foundation Homeloans
- The Mortgage Lender
- Vida Home Loans
- United Trust Bank
- West One
- Together
- Metro Bank
- MPowered Mortgages
- Gen H
- April Mortgages
- Afin Bank
- Bath Building Society
- Beverley Building Society
- Buckinghamshire Building Society
- Cambridge Building Society
- Chorley Building Society
- Clydesdale Bank
- Coutts
- Darlington Building Society
- Dudley Building Society
- Earl Shilton Building Society
- Ecology Building Society
- Family Building Society
- Furness Building Society
- Hanley Building Society
- Harpenden Building Society
- Hinckley & Rugby Building Society
- Hodge
- Leek Building Society
- Loughborough Building Society
- Mansfield Building Society
- Market Harborough
- Marsden Building Society
- Melton Building Society
- Newbury Building Society
- Newcastle Building Society
- Nottingham for Intermediaries
- Penrith Building Society
- Perenna Bank
- Post Office
- Principality Building Society
- Progressive Building Society
- Saffron for Intermediaries
- Scottish Building Society
- Scottish Widows Bank
- Stafford Building Society
- Suffolk Building Society
- Swansea Building Society
- Tandem Bank
- Teachers for Intermediaries
- The Co-Operative Bank for Intermediaries
- Tipton & Coseley Building Society
- Vernon Building Society
- West Brom Building Society
Your new-build timeline
From reservation to the keys.
MOVA helps coordinate the mortgage with the developer’s deadlines and your conveyancer’s work.
Reservation
Share the property details, reservation deadline, incentives and expected build date before committing to a finance timetable.
Application
We prepare the mortgage application and evidence. The lender assesses affordability, the property and any incentives.
Offer & legal work
Check the mortgage offer expiry and conditions with the planned completion date. Your conveyancer advises on exchange.
Completion
If the build is delayed, tell us early. An offer extension or reassessment may be needed and is not automatic.
Before we speak: have the plot price, deposit, developer, reservation deadline and estimated completion date to hand.
Talk it through →Talk before a deadline becomes pressure.
A developer’s reservation or exchange timetable does not guarantee a lender can work to it. Share the intended purchase, expected completion date and any incentives as early as possible. Mortgage availability depends on you, the property and lender criteria.
Keep the offer and the build timetable together.
New-build offers can have different validity periods and extension arrangements. Do not assume an offer can simply be extended. Changes to the property, build date or your circumstances may need to be discussed with the lender.
- Check the expiry date in the actual mortgage offer.
- Keep Steven and your conveyancer informed if the developer changes the timetable.
Understand what is included in the deal.
Cash contributions, deposit support, upgrades or other incentives can affect a lender’s assessment. Describe the full arrangement rather than only the net amount you expect to pay. Your conveyancer will also need to advise on the legal and warranty information for the purchase.
Your questions, answered
Your questions, answered
Have a question that is specific to you?
Are the rules the same for every new build?
No. Lenders can distinguish between houses, flats, property types and levels of borrowing.
What if completion is delayed?
Tell Steven promptly. The lender’s actual offer terms determine whether an extension or further assessment is possible.
Can a first-time buyer enquire?
Yes. We can discuss the first-time buyer and new-build parts of your plans together.
A practical next step
Discuss your new-build timetable.
Share the property details, reservation deadline and any incentives offered by the developer. Discuss the mortgage timetable before committing to key dates.
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The amount will depend on your circumstances and will be explained and agreed before you choose to proceed.
