26 Lowther Street, Carlisle, CA3 8DA

New Build

New Build Mortgage Advisers

If you’re buying a newly constructed property, it’s important to explore the different mortgage options available to you. Our professional mortgage advisers are well positioned in the market and can provide access to some exclusive mortgage deals not available on the high street.

Stan Sherlock Associates

New Build

Working with clients in Carlisle and across the Cumbria region, Scottish borders and Northeast of England, our specialist mortgage advisers have years of experience helping clients navigate new build mortgages and the new build buying process. Whether you’re buying a completed property or an off-plan property, there are many benefits to buying a new build home; but arranging a new build mortgage can be complicated. Our team of experts are here to look after you, making the process as stress free as possible and helping you to get the finances you need to buy your home. We want you to enjoy the process of buying your new home and are here to help.

We are experts in the new build mortgage market and understand each lender’s criteria. When you choose a mortgage adviser from Stan Sherlock Associates to help you find a new build mortgage, you will receive a bespoke financial planning package that works exclusively for you.



New Build Questions

Take a look at the frequently asked questions we receive from our valued clients and find the information you’re looking for.

Yes, absolutely! Using a mortgage adviser/mortgage broker when buying your new build is a fantastic idea. Securing a mortgage is a crucial part of the process and a broker can take the stress out of it and stop you paying more than is necessary. Here’s why:

  1. Navigating New Build Complexities:

Buying a new build property can present unique challenges... like lenders hesitating due to concerns about the property’s value or construction materials. Some lenders see new build mortgages as more of a risk and may ask for higher deposits, or enforce maximum loan to value ratios. A mortgage broker can help guide you to the right lender.

  1. Timely mortgage offers:

A mortgage offer usually lasts around 3 – 6 months. This can be problematic for off plan purchases. If your offer expires before completion, restarting the application process could mean losing a good rate and undergoing another credit check. A broker can help you navigate these constraints and find a lender with faster turnaround times.

  1. Mortgage Advisers have expert knowledge and access:

Mortgage brokers possess valuable insights into lenders' flexibility regarding new-build properties. They can recommend lenders most likely to approve your application and offer tailored advice based on your unique circumstances. Moreover, brokers often have access to exclusive deals and can expedite the application process, particularly crucial if you have a tight timeline between reserving a property and exchanging contracts.

To streamline your mortgage search, consider using an adviser from Stan Sherlock Associates. We can provide invaluable assistance in securing the most suitable mortgage for your new build purchase.

Can We Help With your New Build mortgage?

Find Out Now

Stan Sherlock Associates New Build Service

Why Work With Us?

At Stan Sherlock Associates, arranging a new build mortgage is not a one-off transaction. We aim to build long term relationships with our clients and provide you with an advice service over the lifetime of your mortgage or mortgages which ensures you always have the right deal for your situation.

Although based in Carlisle, our clients come from much further afield. We regularly work with clients from across Cumbria (including Kendal, Keswick, Penrith, Whitehaven and everywhere in between), the Scottish Borders, and North East England. Many of our mortgage advice services can be provided by phone and email but our mortgage advisers are always happy to meet you face to face.