Mortgages

New Homes

If you are buying a new-build apartment or house, it can be a complex business from a mortgage perspective, particularly if you are buying off-plan or completion is some months away. SPF has many years’ experience of arranging finance in the new-build market, working closely with a number of property developers and agents across the UK. 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. We have access to a wide range of mortgage options and may also be able to offer preferential or bespoke arrangements, ensuring you get the most suitable and cost-effective funding solution when buying your new home.

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Stamp Duty Calculator

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For more information about
New Homes contact SPF New Homes
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SPF Private Clients are experts in helping people achieve their goals by providing the right funding, wealth management and insurance advice.

Your home may be repoSSessed if you do not keep up repayments on your mortgagE.

A fee of up to 1% of the loan amount is payable. For example, if we arrange a loan of £100,000 the fee could be £1,000. The exact fee charged will depend on the amount of work undertaken.

Help to Buy – For Help to Buy, in most instances we do not charge a fee as we receive a fee from the lender. Our fee for arranging a Help to Buy mortgage is £1,000, however we will offset any commission we receive from the lender thereby reducing the fee payable by you. For example, if we receive commission from the lender of £700, the fee you will have to pay to SPF will be £300, totalling £1,000. If we receive commission from the lender in excess of £1,000 no fee will be payable.

SPF New Homes is a trading style of SPF Private Clients Limited which is authorised and regulated by the Financial Conduct Authority (FCA).