New Build and Help to Buy

A new build lender, not just a lender who does new build

Sounds like a tall order, but when you told us we should give your clients a genuine alternative for your new build applications…we went away and did just that. We believe what we’ve developed offers a real choice in the market for you and your clients.

Accord offers a range of Help to Buy products for clients who are looking to use the government Help to Buy equity loan scheme, available in England and Wales.

The new 2021-2023 Help to Buy England scheme was launched in December 2020 and we are pleased to be able to continue to offer products for your clients.

There are some changes to this scheme and some product updates we want to make you aware of. Find out more on the new scheme and how we can support your clients here

There are some key differences with the new Help to Buy England scheme which include:

The products applicable for the new scheme are named Help To Buy (2021-2023) making them easy to identify.

The current Help To Buy Wales scheme will continue until at least March 2022 with changes from April 2021 introduce:

  • Reduction of the price cap to £250,000

  • Homes must be broadband ready

Please select products named Help to Buy (2021-2023) for the Wales scheme

All our Help to Buy products can be viewed on our current product finder here

View our Help to Buy Products

To view our Help to Buy products please click on the link below and choose Help to Buy as the Type of Buyer in the product finder.

View our new build products*

To view our New Build products please click on the link below and use the new build filter in the sidebar of the product finder.

* Please note: where the LTV of an application exceeds 75%, a minimum loan amount of £50,000 will apply.

Our Deposit Unlock scheme

We are committed to helping more people to find a place to call home, with our common-sense approach to lending, and new build expertise.

We understand that saving for a deposit can be challenging, which is why we have developed a range of 95% Loan to Value (LTV) mortgage products exclusively for new build homebuyers as part of the Deposit Unlock mortgage indemnity scheme.

Our Deposit Unlock mortgage proposition:
  • Range of Deposit Unlock products available 
  • Available for loans on our 95% LTV Deposit Unlock product range on eligible new build houses
  • Available for houses up to the value of £600,000
  • Available to first time buyers and home movers in England, Wales and Scotland
  • Our standard lending and affordability criteria applies
Responsive Image

Use our new build development checker

Unfortunately, we are unable to accept applications for some new build developments. Use our handy tool to check before you submit an application - start typing the postcode, builder or development name below to see if it's on our list.

Please also check our criteria search tool for unacceptable properties prior to submitting

Please note: for partial postcode matches, please ensure you have also searched for the name of the builder and/or development name.

If your client has a Help to Buy Mortgage with another lender, Accord has a range of next step remortgage products that allow your client to remortgage and pay off the Government Equity loan in full.

Why choose Accord for your client’s New Build mortgage?

90% LTV mortgages are now available for new build houses and flats with incentives up to 5%.

Plus, Day 1 valuation instructions come as standard.

New build experts available
A team of New Build experts are available via web chat who you can contact for help with any pre-application and policy queries, or anything else you need to chat through. Contact via web chat any time we’re open.

A dedicated team of New Build underwriters. Providing you with a slick service, so you’re clear on what we require, upfront.

Our New Build offers are valid for 6 months, and can be reissued for a further 6 months.
Simply call the underwriter handling the original offer 30 days before it’s due to expire and they will tell you what we need.

The Accord Welcome Box

welcome box hamper

A gift for your clients - on us. We’ll pay for everything and take care of the logistics, so there’s nothing for you to do.

Find out more


Responsive Image

We’re committed to helping your clients to buy their first home. We’ve a range of products supported by the Governments Help To Buy Scheme.

Product finder

Search our range of mortgage deals with our easy-to-use product finder tool.

  Product finder