Whole-of-market mortgage advice
New Build Mortgages in Sleaford & Lincolnshire
Buying a new build comes with its own quirks, tight developer deadlines, exchange in 28 days, and lenders who treat new builds differently. We know the drill, keep the developer happy, and make sure your mortgage is ready when the clock is ticking.
5.0★ · 701 reviews
Whole of market
Free until approved
Your Lincolnshire mortgage team
Nick, Kasia & the team
Qualified advisers and support, here for every step
★★★★★
They secured a great five year fixed deal for us, always went the extra mile, great communication, and were easy to deal with.
A new build is a fresh start, no chain, no previous owners, and often a developer incentive to sweeten the deal. The catch is the pace. Developers usually want you to exchange within 28 days of reserving, and some lenders are cautious about new build valuations. We handle both so your dream plot does not slip away on a technicality.
We work to the developer’s clock
We get your agreement in principle ready before you reserve, go to lenders who lend confidently on new builds, and push the application through to meet the deadline. We keep the developer updated too, so everyone stays calm while the clock runs.
Incentives handled the right way
Deposit contributions and other incentives have to be declared and can affect the valuation if handled badly. We make sure everything is presented correctly from the outset, so there are no nasty surprises before completion.
Is this you?
We help new build buyers like…
- Reserving a brand new home from a developer
- Buying on a new development across Lincolnshire
- Using a Deposit Unlock or incentive scheme
- First-time buyers drawn to a new build
- Up against a 28-day exchange deadline
Why a broker
Why new build buyers use a mortgage adviser
New builds are valued and treated differently, and developer deadlines leave no room for a slow application. We compare lenders who lend confidently on new builds, handle incentives correctly, and keep your purchase on schedule.
Going direct to one lender
- One lender, one shelf of deals
- You fill in the forms and chase progress
- Criteria buried in the fine print
- A computer-says-no can end it there
- No one in your corner if it stalls
With Spolton, whole of market
- The whole market compared for you
- We handle the application end to end
- Criteria explained in clear, everyday terms
- Declined elsewhere? We know who says yes
- A named adviser who chases it for you
- Free until your mortgage offer is approved
How it works
How we help new build buyers, step by step
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Get ready to reserve
We get your agreement in principle in place so you can reserve your plot with confidence and a realistic budget.
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The right lender for a new build
Some lenders are cautious on new builds and valuations. We go to those who lend confidently and offer extended timescales where needed.
-
Incentives handled properly
We make sure any developer incentive or deposit contribution is declared and handled correctly, so it does not trip up the valuation.
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We beat the deadline
New build purchases often need exchange within 28 days. We push the application through and keep the developer updated so you keep your plot.
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Move-in ready
We see it through to completion and are here for your first remortgage when the fixed deal ends.
Local to you
Advising on new build mortgages across Sleaford & Lincolnshire
Based on Carre Street in Sleaford, we advise on new build purchases across Lincolnshire, from developments around Lincoln and North Hykeham to Grantham, Sleaford and Boston. We work to developer timescales and can do everything by phone and video to keep pace.
- Sleaford
- Lincoln
- Grantham
- Newark
- Boston
- North Hykeham
Honest about money
No surprises. Ever.
Never a surprise fee. Here is how ours work, plainly: most advice is free until your mortgage is approved.
- Free until your offer is approved
- Whole-of-market, not one bank’s shelf
- We tell you the fee before any work begins
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Our fees, in plain English
Until a fully approved mortgage offer
Free
Standard fee thereafter
Typically £299
Armed Forces & Blue Light Card
£199
Like-for-like remortgage rate switch
No fee at all
Figures correct at time of advice. We confirm everything up front.
Good to know
New Build Mortgages: your questions answered
Why are new build mortgages different?
Lenders can be more cautious on new build valuations and some limit how much they will lend. We go to lenders who treat new builds fairly and know the developer process.
I have a 28-day exchange deadline. Can you meet it?
Yes. New build deadlines are normal for us. We get your agreement in principle ready early and push the application through to keep your reservation.
How do developer incentives affect my mortgage?
Incentives like deposit contributions must be declared and can affect the valuation. We handle this correctly so it does not cause a problem later.
Can first-time buyers buy a new build?
Yes, and many do. We guide first-time buyers through the new build process and any schemes that help with the deposit.
What is Deposit Unlock?
A scheme on some new builds that helps buyers purchase with a smaller deposit. We will tell you if it is available and whether it suits you.
What clients say
701 verified reviews, rated 5.0
258 reviews on Google and 443 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
5.0 average · Google & VouchedFor
Real people, real advice
The people behind your mortgage
You will deal with a named adviser from start to finish, backed by an administration team who keep your case moving behind the scenes. Here is who you will be working with.
From first chat to front-door key
Let’s make your move simple
Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.
Free until your offer is approved
No jargon, no pressure
Whole-of-market advice
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
