New Build

Welcome to The Mortgage Works New Build hub, where you'll find information to support you and your New Build clients, including criteria and top tips.

Why choose The Mortgage Works?

We want to do everything we can to support you and your landlord clients to buy a New Build property. Here are 5 reasons to choose us:

  1. Maximum 80% LTV on houses and 75% LTV on flats
  2. Support for your standard BTL, Portfolio and Limited Company landlord needs
  3. Dedicated New Build Support Team
  4. A ring fenced application process
  5. 5% builder cashback and deposit accepted. 

Here are some useful links and some ways we can help:


Find out about our process on construction, which includes criteria on traditional construction and cladding.

New Build construction page

Dedicated support

Our specialist New Build support teams are on hand to answer any of your New Build questions.

Get in touch

How much can be borrowed?

Find out how much your client may be able to borrow by using our affordability calculator.

Use our calculator

Top Tips for a New Build application

We are aware of the importance of obtaining a quick offer on a new build application, so here are some Top Tips

Read our top tips

New Build property criteria

View our New Build property criteria including warranty and lease terms all in one place.

View our property criteria

New Build definition

Different lenders will have varying criteria as to which properties sit under the definition of a New Build property. Here at The Mortgage Works, New Build flats and houses are defined as:

  • A house/flat built within the last twelve months
  • A house/flat built over twelve months ago but still owned by the developer
  • A house/flat built over twelve months ago but the first purchase/legal completion of the property was less than twelve months ago.

New Build criteria and case support

Closed site list

See the sites that have reached their exposure limit and are closed to The Mortgage Works lending.

View our site list

Find a product

Search our current product range using our product finder.

Our product finder

Ready to apply

Apply or get existing case updates by using TMW Online.

Login to TMW Online