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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
195 5 Star Reviews
Steve Taylor
Excellent Customer Service from initially Dan who arranged our Lifetime Mortgage. The members of the Admin Team were always friendly and helpful. Special mention to Kerry Bewell for her willingness, post-completion, to help when needed. I would definitely recommend UK Moneyman to others.
6 Jul 2026
Dan
Couldn't recommend more! Conor's service was excellent from start to finish and make the process as easy and smooth as possible especially since we didn't even know where to start.
6 Jul 2026
Eva Elliott
We used money man to help us find a mortgage for our first house nearly 7 years ago. They were brilliant at helping us navigate as self employed people. We are just about to use them for our next house!
1 Jul 2026
Rob Shireby
Chris, Ami and Malcolm are all great people, very good experience.
24 Jun 2026
keith mantle
UKmoneyman helped us to obtain a mortgage.. They are a professional and helpful companywho we would reccomend to anyone seeking a mortgage Regards, Keith & Sandra Mantle
12 Jun 2026
Adam Bateman
Just wanted to comment on the experience I have had dealing with uk moneyman for my re mortgage. The team have been excellent throughout, special shout out to Stacy Waudby who has been a pleasure to deal with and has really been pro-active and helpful. I would definitely recommend them to anybody looking for independent mortgage advice
9 Jun 2026
amber sheridan
Ami has been great. She explained everything clearly and answered all of our questions (silly or not). Communication was great, genuinely couldn't recommend this service or our advisor Ami more.
28 May 2026
Keith Hirst
UK Moneyman have helped with my mortgage and remortgage for many years. Always really helpful and knowledgeable. My latest remortgage was done with Conor, who was great at making sure I was getting not just the best deal, but the right deal for my needs.
22 May 2026
Victor Abrams
I found Warren Bailey to be a very helpful and knowledgeable advisor when I discussed with him the potential options for a retirement mortgage . He had contacted me within a day of my seeking an initial conversation with him , and he reassured me there were lenders out there who would consider a mortgage paid out of pension , despite my own bank nort even talking to me as I was over 70 ! Within a couple days Warren had led me through the onboarding process , had explained what documents were needed and had found me a lender suited to my requirements. An excellent experience, and I would recommend him strongly to people looking for a retirement mortgage, and generally . Victor Abrams
15 May 2026
Julie Brake
We would have given them 20 stars. Both Warren & Lizzi have worked so hard on our behalf, in what has not been the smoothest of circumstances. They have been so professional and kept us updated. Would thoroughly recommend this company. With grateful thanks in getting us our mortgage.
12 May 2026
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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