Builder Deposit Mortgages & Incentives

Builder Deposit Mortgages & Incentives

Builder Deposit Mortgages & Incentives - are often sought by purchasers who require assistance with their mortgage deposit, stamp duty, furnishings etc. when purchasing a new property.

A number of lenders will accept a builders deposit or builders incentives. The builders deposit can then be used towards the deposit for the mortgage. A mortgage with a builders deposit or vendors deposit is given by the builder as a discount to the true market property price. The lender will still usually require some form of a deposit from you, and typically this is at least 10%

Mortgage lenders are however, reluctant to offer mortgages with a builders deposit or builders gift on the basis that the purchase price may not accurately reflect the true market value. Such transactions are therefore slightly more complex than mainstream mortgages and your solicitor and mortgage lender will need to be fully appraised of the source of the deposit monies and appropriate real market value.

Note that a gift/incentive is only acceptable if there are no conditions, which require the the return of all or part of the gift/incentive at any point in the future.

Capital Fortune specialises in obtaining the most suitable and affordable builders deposit mortgages for our clients. We particularly work with purchasers who would not be able to purchase without such gifts and work closely with sellers, lenders and solicitors to ensure a smooth, clear and transparent transaction.

We are fully aware, that builders deposit s and builders gifts contribute significantly to homeowners ability to purchase a property and builders deposits are particularly important to first time buyers seeking assistance to get a foot on the property ladder.

Builders deposit Finance – Mortgages with a builders deposit


Purchasing a property with builders deposit finance is an important purchasing decision and there are a number of mortgages with a builders deposit available. A builders deposit purchase can be undertaken using a variety of mortgages and some mortgage lenders have developed specific builders deposit products and finance to assist with the purchasing process.

It is not commonly known that certain lenders will allow you to purchase with a builders deposit through

• A builders deposit residential mortgage
• A builders deposit Buy to Let mortgage
• A builders deposit Secured Loan
• A builders deposit Interest Only Loan

It is important to obtain a builders deposit mortgage or loan that will suit you best. There are a number of products some of which can be seen through our online mortgage service. However, builders deposit mortgages may not necessarily be the most suitable or affordable way to finance your purchase.

It is important to seek professional and impartial information from a suitably qualified adviser and we would be happy to take you through the many options. We can only recommend a builders deposit mortgage be it on a residential or buy let basis once we have assessed your full needs and requirements. We will both need to be satisfied during the purchase process that the financial commitment which a mortgage brings, is both affordable and suitable.

Specialist Finance Advice

At Capital Fortune we are specialists in giving impartial mortgage advice. We understand your requirements when obtaining mortgages with a builders deposit, we also understand the pitfalls.

We will be able to discuss with you all the reasons for purchasing with a builders deposit and give you advice on the most suitable and affordable finance options for the purchase.

We are able to place these properties with UK mortgage lenders but often these types of application require a significant degree of liaison with the lenders, solicitors and the valuers.

At Capital Fortune, we work with a number of lenders willing to offer builders deposit mortgages.

Call us today on 020 77 100 400 or Enquire Online.

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