Buying a new-build
Buying a new-build property, step-by-step
From plan to handover: support every step of the way
A newly built home is often energy-efficient and requires little maintenance. But the buying process is slightly different from that for an existing property. What are the various steps? What do you pay during construction? How much can you borrow for a new-build property, and how do you finance it whilst still having to cover your current housing costs? We'll explain it step by step, so you know exactly where you stand. Then go over your options, with no obligation.
Financing a new-build
Calculate your maximum mortgage for a new-build property, find out all about how financing and a building fund account work, and learn about potentially having to pay for two homes at the same time.
New-build projects
Take a look at new-build properties in projects by developers that ABN AMRO works with. Take a free financial check and see which properties you can register for. Even if you're interested in another new-build project, we'd be happy to help you gain insight into your financial options.
Why a mortgage with ABN AMRO is the best choice
Free orientation meeting
Before you sign up for a new-build project, you'll naturally want to know what your financial options are. So why not book a free orientation meeting (which may include a financial assessment) with our new-build helpdesk?
Discount on your mortgage interest rate
Possibility of a client discount if you have an ABN AMRO payment package. And a better energy label can also bring down your interest rate.
Free cancellation
If the construction is unexpectedly called off, you can cancel your mortgage with us free of charge.
For more than just project-based construction
Also for those who want to design and have a house built themselves. Or together with others as the client for your own new-build project (we call this collective self-build).
New-build helpdesk
New-builds require a bespoke approach. That is why, with us, you will receive assistance from advisers at the new-build helpdesk who specialise in this area. You'll have a single point of contact throughout the entire process. Someone who’s familiar with the projects, knows what to look out for and works with you every step of the way: from your initial calculations right through to the handover. You can contact them for a financial assessment before you sign up, to ask questions during the build, and for anything in between. And even if you're not allocated a property in the draw, they'll work with you to see what’s possible.
Step-by-step guide
From working out your options to the handover of your new home: take a look at the 9 steps.
The pros and cons of a new-build house
Pros of a new-build house
- Low maintenance
- Sustainable build, low energy bills
- No property transfer tax, estate agent’s fees or valuation costs
- Incorporate your own tastes from the start
Cons of a new-build house
- The price is non-negotiable
- Double living costs. You pay rent or mortgage payments on your old house, and interest and repayments on the mortgage for your new house, while the property is being built.
- You might have to wait a long time between buying the house and completion
- You will usually choose a home from an artist’s impression
- You have to pay interest on your new property while it’s being built.
“New-builds are not only comfortable and energy-efficient, but also offer many financial benefits. There are often more options than you might think, even for first-time buyers.”
Deborah Toerse, new-build adviser at ABN AMRO.