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Yes, some lenders accept deposits as low as 5% for new build homes, especially if you’re a first time buyer or using a scheme.
It depends on the property and your financial situation.
Our mortgage advisor in Derby can help find lenders offering low-deposit options.
Lenders often apply stricter criteria to new build homes, especially for flats or off-plan properties.
You might need a bigger deposit or face shorter deadlines for your mortgage offer.
With the right mortgage advice in Derby, it can be more straightforward than expected.
Most mortgage offers for new build homes last between three and six months.
Since build delays are common, it helps to work with a mortgage broker in Derby like ourselves who can find lenders willing to extend your offer if needed.
This keeps everything on track with the developer’s schedule.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
5.00 Rating32 Reviews
Shaun
Very fast and helpful
Warren
Myself and brother Wayne really appreciate your patience with us as first timers can be ambiguous
Anna
Very good and very effective. Easy to understand and communication was second to none
Anonymous
Really good service till the end, making sure everything was finalised smoothly. Will definitely use again when needed.
Anonymous
DIna was my mortgage broker and was so friendly and non-judgemental of my circs. I was wanting to buy an ex out the property and pay off some debt - she got me an offer within days. I had used free mortgage advice companies who hasn’t managed...
Liz
I dealt with Dinah who is the friendliest non-judgemental advisor I have ever dealt with . My case wasn’t that straight forward, but within days I had an offer. I have used well known free advice companies before, but didn’t get anywhere with...
Anonymous
They were quick to respond and maintained great communication throughout the process. Emails were answered promptly, making the entire experience smooth and stress-free. Highly recommended for anyone seeking a reliable and responsive mortgage broker!
Donna
Amazing service would highly recommend A+++
Anonymous
Quite helpful and fast in dealing with the proceedings of the mortgage application.
Arron
Good recommendation for 1st time buyers. Made whole process easy and straightforward.
Kudakwashe
Very good 👍
Sarah
I can’t believe the service we have had and we can’t recommend them enough, Matt and the team are amazing. We have had several mortgage offers through them but the houses we have bought have fallen through but nothing has been too much trouble...
Carol
Friendly efficient service, took their time to explain the procedure etc, I would definitely recommend them.
Joshua
Leo is always a pleasure to talk to. Very friendly and knowledgeable, and allows us to ask questions, no matter if we’ve asked before orbits really obvious
Adam
Thank you to Wayne and the team at UK Moneyman, Derby. We were first time buyers, both with adverse credit history and one with sporadic income from agency work. I was finding the whole process of applying for mortgages to be quite stressful and...
Arran
The team over at Derbymoneyman have been incredibly helpful in helping me understand the process of buying a house. A friendly and welcoming team who do all they can to help. Definitely recommended, you feel like the team is invested in helping you.
Gurjeet
Really helpful and clear.
Gemma
From first discussions with Tom to being passed over to Lyndsey, the whole process was easy and seamless. Everyone I have dealt with at Moneyman have been really helpful and friendly, which has helped take the stress out of applying for a...
Matthew
Jenny has been extremely helpful throughout the process and resolved any issues quickly. Thanks!
Susan
Very good service over the moon Wayne and Megan no there stuff
We start with a quick chat to understand what you’re looking for.
Whether you’ve found a new build in Derby or are still exploring options, we’ll look at your income, deposit, and credit history to work out what’s possible.
Your mortgage advisor will search a wide range of lenders to find a deal that suits your situation.
We’ll check the lender’s timescales match the builder’s, and we’ll include any schemes like Deposit Unlock if you’re using one.
Once you’re happy with the recommendation, we’ll prepare and submit your mortgage application.
We’ll handle the paperwork, talk to the lender, and keep in touch with the builder and solicitor along the way.
When your offer is issued, we’ll help you through to completion.
If the build is delayed, we’ll work with the lender to extend your offer if needed and make sure everything is ready for you to move into your new home.
We take the time to understand your full situation before recommending a mortgage.
Whether you’re buying your first home or moving into a new build in Derby, you’ll receive advice that’s tailored to you from start to finish.
Our mortgage advisors in Derby check thousands of mortgage deals to find the right one for your needs.
We work with a wide range of lenders, including those who understand the ins and outs of new build properties.
You can speak to our team any day of the week, including evenings and weekends.
We work around your schedule, so it’s easier to get everything sorted, even when builders and solicitors are working to tight deadlines.
We’ve helped many buyers secure mortgages on new builds across Derby.
From managing expiry dates to dealing with developer paperwork, we know what it takes to keep your application moving.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Read our 32 Reviews
Derbymoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Derbymoneyman 2009–2026
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Derbymoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Derbymoneyman 2009–2026
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