New builds

Portrait of some green plants sitting on a white table in a new home.

Hassle-free homes

The busier life gets the more we look for a hassle-free way to move home. A new build property gives you the freedom to unlock the door and unload your belongings without even lifting a paintbrush.

Newly built houses for sale in a housing development on a cloudy summer day. All houses have solar panels on the roof. Concept of energy efficient building.

Benefits of a new build

  • Most new builds come with a warranty of 10 years, giving you extra security when deciding to move.
  • Some new builds are released at a fixed price which will suit those who are worried about ‘going into bidding’.
  • New build properties follow the most up-to-date regulations so tend to be more energy efficient.
  • You will be the first person to live in your new home.
  • If you’re a first-time buyer, the Co-Ownership scheme can work with you on the purchase of a new build (you must ensure it falls within their lending bracket and criteria).
Moving to new home, entry to modern empty house.

There are 2 types of finish in a new build property

PC Sums

The PC Sum mostly refers to the costs of your fixtures and fittings. The builders will assign an amount that they will cover from designated suppliers – things like tiles, fireplaces, kitchen, and sanitaryware. These will all be broken down in the brochure. If you want to go outside of this, there will be an option to ‘upgrade’ at your own cost.



The builders will finish your property to a ‘turnkey’ standard, which means you can simply turn the key and walk into your finished home. There are generally options on the colour and/or style of your home.

Here’s how we do it…

Stage 1

Getting your budget in place

Before we start your property search, your mortgage advisor will work with you to set a comfortable budget that fits with lifestyle.

Two female friends sitting at cafe having coffee and gossiping. Female friends meeting in a coffee shop on a weekend.

Stage 2

Finding the property for you

When you have a better understanding of affordability, we can move on to the fun part – your wish list. From your list of ‘must-haves’ and ‘nice-to-haves’, we can identify the properties that match your criteria. We will arrange all viewings and if you decide to make an offer, we will guide you through the process.

A cutting board on a brand new kitchen table with flowers in the sink.

Stage 3

The Legal Stuff

Once you’ve had an offer accepted, it’s time to arrange for a solicitor to handle the contracts ensuring your best interests are maintained. Your mortgage provider will help you submit the final mortgage application, & your lender will arrange for a surveyor to visit the property to ensure there are no unknown issues that would put their loan on your purchase at risk.

Smiling businessman wearing stylish suit talking on mobile phone, holding laptop standing on the street in front of a new build.

Stage 4

Finalising the offer and mortgage

On receiving your mortgage offer and on receipt of your survey, our expert negotiators are on hand to liaise with all parties to ensure your purchase progresses smoothly.

Two women analyzing documents while sitting on a table in office. Women looking over mortage contracts at an office.

Stage 5

Exchanging contracts for competition

Finally, you will discuss and agree with your solicitor on a potential completion date that works for all parties. On completion, you will be required to have buildings insurance in place – your mortgage advisor will help you find the best cover for you in advance.

Deal. Positive insurance broker handshaking with young couple after signing agreement contract for a new home.