New Homes Mortgages

Mortgages for new build properties can be more complex than those for older properties, especially if you are buying off-plan or completion is some months away. We have a specialist New Homes Team who can help you find the best mortgage for your new build and manage changing timescales, thanks to the close working relationships we have with developers and agents.

We can also assist you if you are buying through one of the Government’s new-build schemes such as the Help to Buy Equity Loan, and have access to all available lenders in the market. We may also be able to secure preferential or bespoke arrangements, ensuring you get the most cost-effective mortgage for your new home.

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  • 5 Year Fixed Rate at 1.44%
  • 2 Year Tracker Rate at 0.98%
  • 2 Year Buy to Let Fixed Rate at 1.35%
  • 5 Year Buy to Let Fixed Rate at 1.79%

In addition to some of the headline rates shown here, we have access to a range of bespoke mortgages from private banks and alternative lenders that we can discuss with you personally and confidentially, tailored to you.

Mortgage Rate available to:

Purchasers Only

Initial Rate Payable %

1.44%

Initial Rate Period / Expiry Date

29 September 2024

Reverting to a variable Rate

4.24%

Annual Percentage Rate of Charge (APRC)

3.20%

Loan to Value

60.00%

Lenders Arrangement Fee

£1499.00

Early Repayment Charges (ERCs)

4.25% to 31/03/2021, 4% to 31/03/2022, 3% to 31/03/2023, 2.50% to 31/03/2024, 1.30% to 31/03/2025

Further details and how this example is reached

Property Value

£1,000,000.00

Mortgage Amount

£600,000.00

Term of the Mortgage

25 years

Method of Repayment

Repayment

Monthly payment at Inital Rate Payable

£2,388.69

Number of monthly payments

300

Total Amount Payable

£878,801.35 over 25 years

Mortgage Rate available to:

Purchasers Only

Initial Rate Payable %

0.98%

Initial Rate Period / Expiry Date

30 October 2021

Reverting to a variable Rate

4.24%

Annual Percentage Rate of Charge (APRC)

3.70%

Loan to Value

60.00%

Lenders Arrangement Fee

£999.00

Early Repayment Charges (ERCs)

0.80% of amount repaid until 31/03/2021, 0.6% of amount repaid until 31/03/2022

Further details and how this example is reached

Property Value

£1,000,000.00

Mortgage Amount

£600,000.00

Term of the Mortgage

25 years

Method of Repayment

Repayment

Monthly payment at Inital Rate Payable

£2,259.56

Number of monthly payments

300

Total Amount Payable

£923,795.50 over 25 years

Mortgage Rate available to:

Buy to Let Purchases and Remortgages

Initial Rate Payable %

1.35%

Initial Rate Period / Expiry Date

30 October 2021

Reverting to a variable Rate

4.49% above Bank of England Base Rate

Annual Percentage Rate of Charge (APRC)

4.80%

Loan to Value

60.00%

Lenders Arrangement Fee

£1795.00

Early Repayment Charges (ERCs)

2.00% of the amount repaid until 31/01/2022

Further details and how this example is reached

Property Value

£1,000,000.00

Mortgage Amount

£600,000.00

Term of the Mortgage

25 years

Method of Repayment

Interest Only

Monthly payment at Inital Rate Payable

£677.02

Number of monthly payments

300

Total Amount Payable

£1,342,307.50 over 25 years

Mortgage Rate available to:

Buy to Let Purchases and Remortgages

Initial Rate Payable %

1.79%

Initial Rate Period / Expiry Date

29 September 2024

Reverting to a variable Rate

3.25% above Bank of England Base Rate

Annual Percentage Rate of Charge (APRC)

3.50%

Loan to Value

60.00%

Lenders Arrangement Fee

£1499.00

Early Repayment Charges (ERCs)

5% of the amount repaid to 02/02/2025

Further details and how this example is reached

Property Value

£1,000,000.00

Mortgage Amount

£600,000.00

Term of the Mortgage

25 years

Method of Repayment

Interest Only

Monthly payment at Inital Rate Payable

£897.24

Number of monthly payments

300

Total Amount Payable

£1,135,835.39 over 25 years

How can we help?

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Disclaimer

Mortgage Advice. The choice of interest rate and product terms will depend on your circumstances and the amount of the mortgage. Before you make a mortgage application, we will carry out a full review to establish your needs and preferences and if you meet the criteria, we will give advice and make a recommendation to you. There may be a fee for mortgage advice. All mortgages are subject to status. Please note that all products show an indicative rate only and may not be suitable for you. You must be 18 or over.

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Your home may be repossessed if you do not keep up with mortgage payments.

Knight Frank Finance LLP is a limited liability partnership registered in England and Wales with registered number OC322399. The principal office of Knight Frank Finance LLP is situated at 55 Baker Street, London W1U 8AN. Knight Frank Finance LLP is authorised and regulated by the Financial Conduct Authority under Financial Services Register number 459093.