New Build Mortgages - Specialist Mortgage Options
Why You Should Use a Mortgage Broker When Buying a New Build Home in the UK — And Why AJL Mortgages Are the New Build Specialists¶
Buying a new build property in the UK can be an exciting step — whether you’re a first-time buyer, moving up the property ladder, or investing in a fresh start. But navigating the mortgage process for a new build can be trickier than it first seems. That’s where an experienced mortgage broker can make all the difference. At AJL Mortgages, we specialise in new build mortgages, helping homebuyers secure the right deal quickly and efficiently.
Why Use a Mortgage Broker for a New Build Purchase?¶
Buying a new build home involves more than just finding your dream property. With tight developer deadlines, limited mortgage lender options, and ever-changing interest rates, it’s essential to have expert guidance. Here’s why using a mortgage broker is a smart move:
1. Access to Exclusive Mortgage Deals¶
Many high street lenders offer standard products, but brokers often have access to exclusive mortgage deals that aren’t available directly to the public. This is especially important for new build purchases, where rates and criteria can vary significantly.
2. Tailored Advice for New Build Buyers¶
New build homes often come with incentives like Help to Buy (in some areas), shared ownership schemes, or part-exchange options. A mortgage broker can assess your personal circumstances and recommend a product that fits your budget and future plans.
3. Faster Mortgage Approvals¶
Developers usually set strict exchange deadlines — sometimes just 28 days. A mortgage broker ensures your application is submitted accurately and swiftly to avoid costly delays or losing your reservation fee.
4. Support for Complex Situations¶
Whether you’re self-employed, using a gifted deposit, or purchasing off-plan, mortgage brokers are skilled at navigating non-standard cases. This is particularly valuable for new build homes, which often come with their own quirks and requirements.
Why AJL Mortgages Are the UK’s New Build Mortgage Specialists¶
At AJL Mortgages, we’ve built a reputation as trusted new build mortgage specialists across the UK. Here’s what sets us apart:
✅ Dedicated New Build Team¶
We work closely with developers, estate agents, and solicitors, ensuring a seamless process from application to completion. Our new build team understands the urgency and pressures of buying off-plan or with a reservation deadline.
✅ Experience with All Major Schemes¶
From Help to Buy to Shared Ownership, Deposit Unlock, and first-time buyer incentives, we know how to structure your mortgage so that you make the most of what’s available — without the jargon.
✅ Nationwide Coverage, Personal Service¶
Whether you’re buying in London, Cardiff, Birmingham, or Edinburgh, our team of advisors offers expert mortgage advice with a personal touch — in person, over the phone, or online.
✅ Fast, Transparent & Stress-Free¶
We understand the time-sensitive nature of new build purchases. Our systems are built to move quickly while keeping you informed at every step — so you can focus on planning your move.
Let AJL Mortgages Help You Secure Your Dream New Build Home¶
If you’re buying a new build property and need expert mortgage advice, contact AJL Mortgages today. Our team is ready to guide you through the process, find the best mortgage deal for your situation, and handle everything with speed and precision.