Mortgage Retention on New Build Properties Explained
Understand what mortgage retention is, why lenders hold back funds on new builds, how snagging lists affect your completion, and what you need to do to get retained funds released.
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Property Blog & Insights
Expert guides, market updates, and everything you need to know about buying a new-build home in the UK
Mortgages & Finance
Mortgages & FinanceHow Build Stage Payments Work for Off-Plan New Builds
A comprehensive UK guide to build stage payments for off-plan new build purchases, covering the CML stage payment schedule, when mortgage funds are released, solicitor involvement, progress inspections, and the risks and protections available to buyers.
Mortgages & FinanceOffset Mortgages for New Build Homes Explained
A comprehensive UK guide to offset mortgages for new build homes, explaining how offset works, savings-linked structures, family offset options, tax efficiency benefits, and which lenders offer offset products for new build purchases.
Mortgages & FinanceAdverse Credit Mortgages for New Build Homes
A comprehensive UK guide to obtaining a mortgage for a new build home with adverse credit history, covering CCJs, defaults, IVAs, missed payments, specialist lenders, credit score improvement strategies, and time-based recovery paths.
Mortgages & FinanceHow to Effectively Compare Mortgage Deals for New Builds
A detailed UK guide to comparing mortgage deals for new build homes, covering APRC, total cost of borrowing, fees vs rates trade-offs, fixed vs variable products, and a step-by-step methodology for finding the best mortgage for your new build purchase.
Mortgages & FinanceMortgage Protection Insurance for New Build Buyers
A comprehensive guide to mortgage protection insurance for UK new build buyers, covering life insurance, critical illness cover, income protection, cost comparisons, decreasing vs level term policies, and when to arrange cover during your purchase.
Mortgages & FinancePorting Your Mortgage to a New Build Home
A comprehensive guide to porting your mortgage when moving to a new build home, covering eligibility, additional borrowing, early repayment charge avoidance, and whether porting or remortgaging is the better financial choice.
Mortgages & FinanceWhat Happens If Your Mortgage Offer Expires Before Completion
A complete guide to mortgage offer validity periods, what happens when your offer expires before your new build completes, extension options, re-application processes, and how to protect yourself from new build delays.
Mortgages & FinanceHow Mortgage Valuations Work for New Build Homes
Everything you need to know about mortgage valuations for new build properties, including desktop vs physical valuations, how lenders assess new build premiums, what to do if your property is down-valued, and how to protect your purchase.
Mortgages & FinanceInterest-Only Mortgages for New Build Investment Properties
A comprehensive guide to interest-only mortgages for new build buy-to-let investment properties, covering how they work, repayment vehicles, LTV limits, lender criteria, and the risks involved.
Mortgages & FinanceGreen Mortgages: Better Rates for Energy-Efficient New Builds
Discover how green mortgages reward energy-efficient new build homes with lower interest rates, cashback incentives, and preferential lending terms from major UK lenders.
Mortgages & FinanceGuarantor Mortgages for New Build Homes Explained
Can't quite afford a new build on your own? Guarantor mortgages let family members help you get on the ladder. Learn how they work, the risks involved, and the best alternatives in 2026.