New Home Mortgage



new home mortgage

Ready to move?

Here at the Mortgage Advice Centre in Cornwall, we know that moving home is stressful enough without having to worry about the headache of finding a mortgage.

Whether you’re buying a bigger home, a second home, or a new build, we are here to help your mortgage journey go as smooth as possible.

How much can I borrow?

Because we are whole of market advisers, we look at all lenders to ensure you get the one that’s suitable for you. Each lender allows you to borrow different amounts which depends on their criteria. Our experts can really add value to ensure that we apply to the most suitable lender.  They will go through your income and expenditure and will assess your type of employment and will recommend the most suitable mortgage, ensuring you that you will get the best deal for your circumstances. We pride ourselves on giving you a friendly down to earth service, with no fancy jargon, so you know exactly what’s going on.

new home mortgage

Can I get an Agreement in Principle?

Once we have found you a suitable lender then we are able to  provide you with an agreement in principal. An Agreement In Principal is when a specific lender does a credit check against you and reviews your initial details, it will state the lender is provisionally happy to lend you the amount of money requested.

Once you have an Agreement In Principal you can be confident that you can get a mortgage and put an offer in on a property. Since Covid, a lot of estate Agents now ask for an Agreement In Principal before allowing you to view a a house so it pays to get your paperwork sorted before you go hunting for that perfect home.

We are New Home Specialists

We will talk you through the process so that you understand the sequence of events that enable you to purchase your new home. We will answer any general queries to start off with and let you know how much you are able to borrow and discuss deposit requirements with you. We will do a search across the whole of the mortgage market to make sure you get the best deal for your requirements. Once we have found you a suitable mortgage we would do an Agreement In Principal with the mortgage lender and then manage the application through to mortgage offer.  You would have a dedicated contact that is easily contactable who will manage the whole process so you do not need to correspond with anyone else.

We make the process user friendly and are the polar opposite to a faceless call centre or a computer algorithm , we are real highly qualified, friendly people who are here to help you on the road to your first home.

new home mortgage

Is it Harder to get a Mortgage for a New Build?

If you’re thinking of buying a new build, then you’ll need our advice. Generally, new builds sell for a premium price. Lenders can often be much more strict when it comes to mortgages for a new build property. Some lenders may refuse an application because of the inflated price, whilst some are happy to lend a good proportion of the LTV ratio. Get in touch with us today to find out how you can make the process simpler and get moved into your new build home faster!


Shared home ownership is an exciting and inclusive option for individuals looking to step onto the property ladder with a little help. It offers a fantastic opportunity to own a home that might have otherwise seemed out of reach. With shared home ownership, you can enjoy the benefits of partial ownership, sharing the costs and responsibilities with a housing provider or another buyer. This not only makes homeownership more affordable but also provides a sense of community and support. It’s a chance to create a space that truly feels like home while building equity and working towards your long-term goals. Talk to us today about Shared Ownership and we’ll guide you through the process to make sure that you understand everything and get the best advice.

new home mortgage


Happy Customers


Clients helped in 2022


Mortgage products available

2 million

Property purchases

15 Years

Advising on mortgage