Buying a new build home is an exciting step — everything is brand new, energy-efficient, and ready to move into. But when it comes to mortgages for new builds, there are important differences to consider compared to older properties. At TouchPoint Mortgages, we specialise in helping buyers secure the right new build mortgage with expert advice tailored to developments across West Sussex, including Angmering, Littlehampton, and beyond. Whether you’re buying off-plan or nearing completion, our guidance ensures you get the best mortgage deal for your new build home — with no unnecessary delays or surprises.
At TouchPoint Mortgages Ltd, we’re dedicated to empowering you with informed decisions and securing your financial future. Get in touch today to explore how we can assist you with mortgage and insurance solutions.
A new build mortgage is simply a standard residential mortgage used to purchase a newly constructed home – either off-plan (before it’s built) or once completed. However, lenders often treat new builds slightly differently due to potential delays, property valuation, and build warranties.
Not all lenders treat new builds equally. Some are stricter with deposit requirements, some won’t lend off-plan, and others may have tighter timeframes on mortgage offers. That’s why getting expert advice from a whole-of-market broker like TouchPoint Mortgages can make all the difference.
We help you:
Secure mortgage offers with longer validity to account for build delays
Navigate developer deadlines and incentives
Understand which lenders are new build-friendly
Avoid costly mistakes by choosing a mortgage that suits both your budget and build timeline
One of the most important things to be aware of is the mortgage offer expiry date. Many lenders offer mortgage offers valid for 3–6 months – but new build homes often get delayed.
Some lenders allow extensions (sometimes up to 9 months or more), while others require a full re-application if the offer lapses. Choosing the right lender from the outset helps avoid stress, extra admin, and the risk of losing your home due to expired finance.
➡️ Tip: Always ask your broker if the lender is flexible with extensions, especially if you’re buying off-plan.
Everything is brand new – no need for renovations
Energy efficient – lower running costs and greener tech
Comes with 10-year warranty (e.g. NHBC, LABC)
Developer incentives like Stamp Duty contributions, furniture packs, or deposit boosts
Chain-free, so you can move faster
Can be more expensive per square foot than older homes
May have limited space or smaller gardens
Some lenders require a higher deposit (especially for flats)
Risk of build delays and offer expiry
Initial snagging issues or teething problems
We regularly help clients buying on developments across the local area, including:
Stylish, well-designed homes in a semi-rural location with excellent commuter access and schools.
👉 Explore Cala Homes in Angmering
A growing development with family-friendly homes and excellent value, close to schools, green spaces, and local transport.
👉 View Hampton Park Littlehampton
If you’re looking at these or other new build sites, we can work with the developer and your solicitor to ensure your mortgage is aligned with your move-in timeline.
Q: Can I get a mortgage on a new build property with just a 5% deposit?
A: Yes — many lenders accept 5% deposits on new builds, especially when using schemes like Deposit Unlock. We’ll help match you with those offering the most competitive rates.
Q: How long does a mortgage offer last for a new build?
A: Most lenders offer mortgage offers valid for 6 months on new builds, and some offer extensions. We’ll make sure your offer aligns with your completion timeline.
Q: Are mortgage rates higher on new build homes?
A: They can be slightly higher, particularly for new build flats or low-deposit deals, but we search the whole market to find you the best available rate.
Q: Can I get a mortgage before the property is finished being built?
A: Yes — you can apply and secure your mortgage offer before the build is completed. This is common practice and helps you lock in a rate ahead of time.
Q: Can you help with Shared Ownership or Deposit Unlock?
A: Absolutely. We regularly support clients using Shared Ownership, First Homes, or Deposit Unlock to make new builds more accessible.
At TouchPoint Mortgages, we specialise in helping clients secure the right mortgage for new build homes across Littlehampton, Angmering, and surrounding areas. With our deep understanding of local developments and the unique challenges of buying a newly built property, we’re perfectly placed to guide you through every step — from securing a mortgage offer with a long enough validity period to navigating developer deadlines and incentives.
Get in touch today to find out how our expert advice and tailored solutions can help you move into your dream new build home with confidence and ease.
Whether you’re buying your new build home in Angmering, Littlehampton, or nearby Rustington, TouchPoint Mortgages is here to support you with tailored, expert advice every step of the way.
Explore our local mortgage advice services:
Ready to get started? Contact us today for friendly, personalised advice on mortgages for new builds across West Sussex.
At TouchPoint Mortgages, we:
Access exclusive new build-friendly lenders
Handle mortgage offer extensions if build dates change
Work with developers and solicitors to coordinate timelines
Provide clear, free advice upfront with no obligation
Charge no upfront fees – we only charge when your mortgage completes
