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New Build


  • Lenders have specific lending criteria for new build homes.
  • Our experienced new build consultants give expert advice.
  • Approved mortgage broker for national builders.


  • Access to specific new build mortgage product not available on the high street.
  • Bespoke product sourcing system used.
  • Whole of market broker.


  • No potential mortgage situation too complicated for us to help with.
  • Experts in new build mortgage solutions.
  • Dedicated and experienced consultants for every client.


  • Immediate initial qualifications.
  • Mortgage agreement in principles within hours.
  • Highly trained and experienced new build administration team.

Contact Mortgage First Today And Find Out How We Can Help You

Leading New Build Specialists


We have one of Scotland’s leading specialist new build homes team.

This means that we have an entire department dedicated to new build homes with the knowledge and expertise to help you understand all you need to know about finding and buying a new build home.

We also aim to save you time and money by searching the thousands of mortgages we have access to, including deals that are exclusive to us. 

We work for you, not the lender.

Service & Speed


Over the last 15 years we have built strong relationships with the UK’s leading house builders, working with them on a daily basis to help you secure that dream new build home.

Once we process a mortgage application for you, we handle everything through to completion, and we will be available seven days a week to make sure you meet any timescales for exchange that your builder may issue.

Whether you are a fan of their fresh exteriors and modern fittings, looking for a safe and secure home to raise a family, or just want to feel like your home is truly your own; new build homes have a lot to offer.


Mortgage Calculators

Mortgage Calculators

Every lender has a different affordability mortgage calculator

Generic calculators are not accurate

One of our trained advisers will give a tailored  affordability result for each client

Not on our website for that reason

Comparison websites don’t take into account it is a new build property

Budget Estimators

Let our trained expert advisers set your budget

Getting your budget right first time is important

Your budget has to be tailored to your own personal circumstances and lifestyle


Comparison Websites

Not specific to new build mortgages

Don’t clearly know if you fit the lenders lending criteria

Can give a false picture of the potential costs of the mortgage

Some sites will make a footprint on your credit file when used


The Mortgage Process

Initial qualification by one of our trained advisers 

Initial credit score/agreement in principle with recommended lender  

Reserve new build plot 

Full mortgage application to lender with supporting documents 

Full mortgage approval from lender 

Move in to your new home 

We will make it that simple 

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  • On the 6th of October 2014 we took possession of our beautiful new home. As a single mum of 3 busy children the task of getting a home of our own and the ability to get a mortgage was taken over and achieved with the help of ”Mortgage First”. My agent was professional, attentive and clearly cared about helping us to achieve, what seemed to me, to be an impossible task. I could not have done this without their help. I would absolutely recommend “Mortgage first” to anyone who feels they need the worry and stress taken out of getting the right mortgage. We are very much looking forward to our first Christmas in our new home, so a big thank you to John and all the staff at “mortgage First”.

    Kate Rowley

  • 'Mortgage First provided an exceptional service, explaining clearly each step of the process along with sound advice. They were very responsive to questions no matter when the query question was raised. I would recommend their service to anyone.'

    Robert Kirkwood

  • A big thanks to all at Mortgage First. They made purchase of my new Cala home so simple with excellent service from start to finish. Would recommend Mortgage First to anyone looking to purchase a new build home.

    Danielle Lynch

  • My thanks go to Eddie Irvin for his exceptional service and assistance throughout the mortgage process when I purchased my home a few years ago. After several meetings and excessive mortgage arrangement fee quotes with RBS, and not forgetting over 20 years perfect banking terms, Eddie provided me with a mortgage through the Halifax within 30 minutes! A few days later, as he promised the mortgage guarantee arrived – truly staggering after weeks being passed from pillar to post with RBS. I have since referred to very satisfied clients to Eddie Irvin for their mortgage requirements, and currently in the process of my daughter on her first time buy. I would have absolutely no hesitation in recommending the services of Eddie, in terms of lender options, quality of service, value and efficient dealings throughout. You will not be disappointed.

    David McCulloch