New-build specialist brokers
Partners who handle new-build cases every day, not once a month. They know which lenders will accept stage payments, which won't down-value, and which require specific warranty evidence.
Mortgage Services
Why work with us
Mortgage Services
Generalist mortgage brokers often miss the nuance in new-build lending. Off-plan stage payments, developer-specific lender panels, affordability calculations that account for estimated rental income, new-build-specific valuation concerns. We work closely with Lifetime Capital and a small group of vetted brokers whose entire practice is built around this market.
What you get
Built around your outcome
AIP before you view
A properly structured Agreement in Principle is worth more than a price reduction to a developer. We help you arrive pre-agreed so your offer lands with weight.
Off-plan stage payment structuring
Some off-plan developments require phased deposits at construction milestones. We route you to lenders whose policies align with the developer's timeline.
Expat and non-resident products
International clients routinely get quoted residential mortgage rates that apply to UK-domiciled borrowers only. Our broker network surfaces products actually designed for non-residents.
Buy-to-let structuring
SPV vs personal name, interest-only vs repayment, portfolio landlord treatment. Brokered correctly, the structure protects returns. Brokered poorly, it erodes them.
Rate protection strategy
Fixed, tracker, or product transfer. When to lock, when to let the market come to you. Not advice, but informed discussion so you can decide well.
How it works
How our mortgage intro works
- 01
Brief call
We understand your income, deposit, timeline, and target property. Match you to the broker in our network whose lender relationships best fit your profile.
- 02
Introduction
Warm handover to the broker. You retain full control of the mandate, the fee arrangement, and the product choice.
- 03
AIP in hand
Broker issues Agreement in Principle within 48 to 72 hours in most cases. You are now a certainty buyer in developer eyes.
- 04
Full application
On reservation, full application submitted. Broker liaises with lender, valuer, and your solicitor. We stay in the loop so the transaction runs in parallel.
- 05
Offer to exchange
Formal mortgage offer secured. We verify it aligns with the exchange timeline and flag any conditions that need addressing before exchange.
- 06
Completion funding
On completion, funds are released through your solicitor. Broker remains available for remortgage and portfolio additions.
FAQ
Questions, answered
Do you charge a mortgage broker fee?
No. Renowned Homes does not charge for the introduction. The broker's fee arrangement is disclosed to you directly; typically fees are paid by the lender, by you, or a combination.
Can I use my own broker?
Of course. The introduction is optional. Many clients bring their existing broker; we simply ask them to confirm familiarity with new-build stage payments before reservation.
What deposit do I need for a new-build?
Minimum 5% with some lenders, 10 to 25% more typical. Off-plan purchases often require 10% at exchange with balance on completion. Non-residents typically need 25 to 40%.
Is Help to Buy still available?
The England Help to Buy equity loan closed to new applications in 2023. Scotland and Wales schemes have separate timelines. Shared Ownership, First Homes, and Deposit Unlock remain live alternatives.
Who is Lifetime Capital?
An FCA-regulated mortgage brokerage we partner with for new-build specialist advice. They are independent of Renowned Homes; the relationship is referral-based, not proprietary.
