New Build Mortgages in Sleaford

Local guidance for buyers at Holdingham Grange, Handley Chase, nearby new estates and Lincolnshire developments.

Buying brand-new, made simple

Stepping into a brand-new home shouldn’t come with complications. Whether you’re eyeing energy-efficient homes at Holdingham Grange or modern builds at Handley Chase, the costs, timelines, and lender rules can feel overwhelming.

Spolton Mortgages makes it straightforward:

We know local builders, build schedules and handover dates.
We match you to lenders that understand new-build criteria like warranties and completion windows.
We structure your mortgage to align with when you’re ready to exchange, not just when you apply.

So, whether you’re a first-time buyer, a down-sizer, or trading up to a modern 4-bed in Sleaford, we keep everything on track — without the stress.

Unbiased Advice

Dedicated to providing trusted advice, we believe financing your home should be exciting and stress-free. Here’s just some of the lenders we work with;

We access the whole of the mortgage market to find the best mortgage to suit your needs.

Why new-build buyers in Sleaford prefer us

Local developer insight: We work day-to-day with Persimmon (Holdingham Grange), Taylor Wimpey (Newton Park) and Bellway (Quarrington Edge).
Product expertise: We know which lenders fit reservation, exchange and completion dates — and which accept warranty types.
Timeline control: We sync your approval, valuation and legals to developer deadlines.
Helper routes: If deposit is tight, we can explore 5% paths or consider shared ownership where suitable.

Your new-build mortgage in 3 easy steps

Buying a new build often comes with tight deadlines and extra paperwork. At Spolton Mortgages, we keep things simple by breaking the journey into clear stages — so your mortgage stays in sync with the developer’s schedule and you always know what to expect next.

Build & budget check

We match your target development and budget with lender timelines and build stages.

Mortgage aligned to stages

We align funds to reservation, exchange and completion so you never miss a developer deadline.

Completion coordination

We liaise with your solicitor and the site team for a smooth move-in, even if you’re renting before completion.

Local 2025 new-builds worth knowing

Here are key new developments currently live in Sleaford and wider Lincolnshire in 2025:

Holdingham Grange (Sleaford) — energy-efficient 2–5 bedroom homes with strong road links to Boston and Newark.
Persimmon site
Newton Park at Handley Chase (Sleaford) — a major new community with NHBC cover and modern layouts.
Taylor Wimpey site
Quarrington Edge at Handley Chase (Sleaford) — newly released plots with buying routes like Part Exchange or Deposit Unlock.
Bellway site

Buying new is easier when you understand build stages, lender rules and completion windows. We track them for you and align your mortgage to the developer’s timeline.

We are family

Spolton Mortgages is a family mortgage broker founded by Nick and Kasia Spolton.

From our office in Sleaford, we provide mortgage and mortgage protection advice.

Well-known, and respected for providing trusted advice, we started by helping people find mortgages in Lincoln, Sleaford, and throughout Lincolnshire. Now we find ourselves helping people across the whole of the UK.

Our carefully selected panel of insurance providers

What our customers think

Useful Links

Looking for guides on buying new-build homes? We’ve curated helpful external resources below. These are third-party sites — while we believe they’re useful, we’re not responsible for their content or updates. Always verify details directly with the source.

Holdingham Grange — Persimmon

Newton Park at Handley Chase — Taylor Wimpey

Quarrington Edge at Handley Chase — Bellway

New build mortgage tips — HomeOwners Alliance

New-build buying guide — MoneyHelper

Buying process overview — MoneyHelper

New Build Mortgages FAQs

Can I reserve before my mortgage is ready?

Yes. We can help with proof-of-funds letters and fast-track approvals so you can secure your plot quickly.

Do lenders hold the rate if completion is months away?

Some lenders offer extended offer periods or rate retention. We’ll shortlist the right products for your build timeline.

Is NHBC cover required?

Most lenders accept NHBC or equivalent (e.g., LABC, Premier). We’ll confirm which warranty your chosen lender needs.

Can you get a mortgage on a new build with a 5% deposit?

Yes. Some lenders accept 5% deposits on new builds, though they may have stricter criteria than for older homes. Options include government-backed schemes and specialist products.

Do new build houses hold their value?

New builds can sometimes dip slightly in value after purchase, especially in the first few years. Location and build quality make the biggest difference. We’ll advise on local developments that show strong long-term demand.