Remortgage

New Build Mortgage Advice in Newport Pagnell, Milton Keynes & Beyond

Buying a new build home is an exciting milestone – from the fresh paintwork and modern layouts to energy-efficient features and that unbeatable ‘new home’ feel. But securing a mortgage for a new build property can come with a few added complexities.

At Tickford Mortgages, we specialise in helping buyers across Newport Pagnell, Milton Keynes, and the surrounding areas secure the right mortgage for their new build home – whether you’re a first-time buyer or moving up the ladder.

When purchasing a new build, mortgage lenders often apply different criteria than they would for an older property. This is why it’s essential to work with a local mortgage adviser who understands the process inside out.

Here are a few key things to keep in mind:

• 🕒 28-Day Exchange Deadlines – Most builders will expect contracts to be exchanged within 28 days of reservation, so speed and preparation are key.
   
• 🏗️ Delayed Completions – Some new builds won’t be ready to move into for 3–6 months (or more), which can affect how long your mortgage offer is valid for.
   
• 💷 Lower Loan-to-Value (LTV) Limits – Some lenders cap the maximum loan amount on new builds, especially for flats.
   
• 📉 Valuation Risks – If property values change before the home is completed, it could impact your mortgage eligibility.
  

We’ve supported buyers with new build purchases across Newport Pagnell, Milton Keynes, Broughton, Brooklands, Woburn Sands, Olney, and more. Here’s what you can expect:

• 🏡 Tailored mortgage advice for new builds – including lender-specific criteria and documentation
   
• 🕓 Help meeting tight exchange deadlines imposed by developers
   
• 🛠️ Support with Own New, Shared Ownership, and First Homes schemes
   
• 📝 Coordination with your solicitor and builder to keep everything on track
   
• 📞 Clear and consistent updates so you’re never left in the dark
   

Whether you’re buying your very first home or upgrading to a bigger space, we’ll help you secure the mortgage that fits your needs and timescales – with specialist knowledge of how new build developers operate locally.

📍 Serving Newport Pagnell, Milton Keynes, and all surrounding villages and developments.
 

Your home may be repossessed if you do not keep up repayments on your mortgage.