Our clients’ situation
Our client was purchasing a new-build property and was keen to take advantage of any incentives available to support overall affordability.
Alongside securing the right level of borrowing, there was also an opportunity to benefit from a property with a strong energy efficiency rating — something that is becoming an increasingly important consideration for many buyers.
The client wanted to ensure the overall package not only enabled the purchase, but also supported day-to-day affordability once moved in.
Our solution
We secured a mortgage through a lender offering a specialist new-build product, which provided a slightly reduced interest rate compared to their standard offering at the time of application.
Because the property met the lender’s energy efficiency criteria:
• Lower interest rate – the client benefited from reduced monthly payments
• Fixed-term savings – this delivered a meaningful saving over the term due to the EPC rating
• Affordability alignment – the mortgage remained within criteria while maximising borrowing
In addition to the mortgage solution, the purchase also included a number of developer incentives, such as:
• Service charge support – covering the cost for an initial period
• Additional furnishings – included as part of the purchase package
These elements combined to help reduce the upfront and early ongoing costs associated with moving into a new home.
Overall, this case highlights how energy-efficient properties, combined with the right lending approach and developer incentives, can support both affordability and longer-term cost considerations.
To talk to one of our advisers about your mortgage needs, call us on 08000 38 37 36 or Book your appointment today.
This is for information only. Products and rates vary depending on your circumstances, lender criteria and products available at the time.
