New build mortgage rates today Only deals that lend on a new home.
Every home on NewHomeSearch is a new build, so every rate here is one a new-build buyer can take: 676 deals from 11 UK lenders, from 4.08%, read from the lenders’ own sites on 12 November 2026.
- Lowest rate
- 4.08%
- Deals open to new builds
- 676
- Kept from new builds
- 7
- Read from their sites
- 12 Nov 2026
New build mortgage rates by deposit
The lowest 2-year fixed rate open to a new-build buyer at each loan to value, from the 11 lenders here. A deal its lender keeps from new builds is never counted.
| Loan to value | Lowest rate | Lender and deal |
|---|---|---|
| 60% LTV40% deposit | 4.87% | NatWest2 year fixed rate - Online Only · £1,495 fee |
| 75% LTV25% deposit | 5.00% | Yorkshire Building Society2 Year Fixed Rate · £1,495 fee |
| 85% LTV15% deposit | 5.10% | Yorkshire Building Society2 Year Fixed Rate · £1,495 fee |
| 90% LTV10% deposit | 5.23% | Santander2 year fixed rate · £1,499 fee · home movers only |
| 95% LTV5% deposit | 5.52% | Leeds Building SocietyHome Mover Only 2 Year Fixed Rate · £1,499 fee · home movers only |
New build mortgage rates by lender
Each lender’s lowest 2-year fixed rate open to a new-build buyer with a 25%, 10% and 5% deposit.
| Lender | 75% LTV25% deposit | 90% LTV10% deposit | 95% LTV5% deposit |
|---|---|---|---|
 | 5.00%2-year fixed, £1,495 | 5.40%2-year fixed, £1,495 | No deal |
 | 5.02%2-year fixed, £899 | 5.30%2-year fixed, £899 | 5.66%2-year fixed, no fee |
 | 5.03%2-year fixed, £999 | 5.28%2-year fixed, £999 | 5.83%2-year fixed, no fee |
 | 5.04%2-year fixed, £1,495 | 5.28%2-year fixed, £995 | 5.75%2-year fixed, no fee |
 | 5.05%2-year fixed, £999 | 5.25%2-year fixed, £999 | 5.69%2-year fixed, £999 |
 | 5.10%2-year fixed, £1,499 | 5.23%2-year fixed, £1,499 | 5.70%2-year fixed, no fee |
 | 5.11%2-year fixed, £999 | 5.32%2-year fixed, £999 | 5.60%2-year fixed, £999 |
 | 5.14%2-year fixed, £995 | 5.44%2-year fixed, £995 | 5.74%2-year fixed, £995 |
 | 5.23%2-year fixed, £1,495 | 5.39%2-year fixed, £1,495 | 5.67%2-year fixed, £495 |
 | 5.34%2-year fixed, £999 | 5.44%2-year fixed, £999 | 5.52%2-year fixed, £1,499 |
 | 5.99%2-year fixed, £999 | 6.49%2-year fixed, £999 | 6.79%2-year fixed, £999 |
Deals for new-build homes only
Some lenders publish deals for new-build homes only: these are every one read today.
| Deal | Up to | Rate | Then | Fee |
|---|---|---|---|---|
| Yorkshire Building Society5 Year Fixed Rate · £1,495 fee | 95% LTV | 5.91%5-year fixed | 6.74% | £1,495 |
New build mortgage rates: your questions
Are mortgage rates different for new build homes?
On the rates the 11 lenders here publish, mostly not: a new-build buyer can take the same deals as any buyer at the same loan to value. A few deals are kept from new builds (7 today, all above 90% LTV), and NewHomeSearch never shows them. Yorkshire Building Society publishes a deal for new-build homes only.
Can I get a 95% mortgage on a new build?
Yes. The lowest rate open to a new-build buyer with a 5% deposit is 5.14%, Nationwide Building Society’s 2-year tracker. Many 95% loans are backed by the government’s Mortgage Guarantee Scheme.
How long does a mortgage offer last on a new build?
A new home is often bought before it is finished, so the offer has to last until completion. Each lender sets how long its offer stands; match the expiry to your builder’s expected completion date before you exchange, and ask about an extension if the build slips.
Where do these mortgage rates come from?
From each lender’s own website, read every night by NewHomeSearch: 11 UK lenders, their rates, fees, loan to value bands and early repayment charges exactly as they publish them for buying a home. We are not a broker, take no commission and rank nothing for payment, so every deal is shown on the same terms, sorted by its numbers. Rates change, and a lender decides who it lends to: check a deal with the lender before you apply.
Your next step
Compare every deal for your price and depositHow we read the rates
- From each lender’s own website, every night. 11 UK lenders, read at 02:45 UTC; this page’s rates were read on 12 Nov 2026. Every rate links the page it came from.
- No broker, no commission, no paid placings. Nothing here is ranked for money, so every deal is shown on the same terms, sorted by its numbers.
- Only deals that lend on new-build homes. Every home on NewHomeSearch is a new build, so a deal its lender keeps from new builds is never shown.
- The sums done for you. Monthly payments, the true cost over the deal and the APRC are worked out with the lender’s own fees, in the comparison, for your price and deposit.
An illustration, not advice: rates change, and a lender decides who it lends to. Check a deal with the lender before you apply. How NewHomeSearch reads the lenders’ sites.