Mortgages with JJNew Build
Building or buying off the plans, financed properly.
Building or buying off the plans comes with its own lending quirks. I handle the staged-drawdown detail so you can focus on the house.
Is this you?
Sound familiar?
- Building a new home and need to understand staged drawdowns
- Buying off the plans and want the finance sorted before you commit
- Wanting to understand how a new build affects your deposit options
- Working with a builder or developer and need finance to keep pace
How I help
From first chat to funded deal.
1
Free consultation
30-minute chat. No cost. We work out what you actually need and whether I am the right person to help.
2
Strategy & lender match
I compare your situation across the lender panel, structure the deal, and recommend the best path.
3
Application & approval
I prepare and submit your application, manage the lender conversation, and chase down approvals.
4
Settlement & ongoing review
Funds settle, you get the keys (or the better rate), and I check in annually to keep your loan working.
Getting ready
What you'll need.
Documents to gather
- Fixed-price building contract (or plans and specifications)
- Council-approved plans, if available
- Proof of ID
- Recent payslips
Questions we work through
- How staged drawdowns work and what triggers each payment
- What deposit options are available for new builds in your situation
- Which lenders are comfortable financing your specific build type
- How to keep finance timelines aligned with your builder’s schedule
Common questions
Questions about new build.
How does financing a new build differ from an existing home?
New builds are typically financed through staged drawdowns — the lender releases funds as construction reaches agreed milestones, rather than one lump sum at settlement. I walk you through exactly how that works for your build.
What deposit do I need for a new build?
Deposit requirements for new builds can differ from existing homes, and the details depend on your lender and circumstances. I check what applies to your situation rather than assuming a standard figure.
What documents will I need to apply?
Usually your building contract or plans, proof of ID, recent payslips, and a few months of bank statements. I give you a clear checklist upfront.
How long does pre-approval take?
Timeframes vary with the lender and your circumstances. Some approvals are quick, others take longer. I keep you informed and follow up to keep it moving.
Ready for a no-pressure conversation?
30 minutes. No cost. No obligation. Just a clear answer on what is possible and what to do next.