NEW BUILD MORTGAGE ADVICE, KENT

New Build Mortgages in Kent

Kent districts completed 7,660 net new homes in 2024 to 2025, with Canterbury, Thanet and Dartford building the most, and Ebbsfleet Garden City passed its 5,000th home in December 2025. We arrange new build mortgages across Kent, including on the large garden town phases.

  • Ebbsfleet, Chilmington Green and Otterpool Park
  • Offer validity on long build programmes
  • Estate management charges and rentcharges
  • The new build premium in the South East
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Call 020 8242 1657
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Tell Us About Your Kent New Build

Send us the development, the agreed price, the incentive package and the expected legal completion date, and we will tell you how a lender will read it and which offers last long enough.

☎ 020 8242 1657✉ hello@falconfinance.ukWhatsApp 07777 140030

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ImportantYour home or property may be repossessed if you do not keep up repayments on your mortgage.

Where Kent’s new homes are being built

Kent County Council’s housing audit counted 7,660 net additional homes across the Kent districts in 2024 to 2025. Canterbury added 1,232, Thanet 848 and Dartford 817, while Medway, counted separately, added 634. Under the government’s December 2024 standard method, the Kent districts need about 11,928 homes a year, so building is set to rise. Three schemes dominate the pipeline.

Sources: Kent County Council housing information audit, May 2026; KCC housing growth analysis; scheme websites linked below.

Ebbsfleet Garden City

Its 5,000th home was completed in December 2025, out of up to 15,000 planned. Many phases are sold by different housebuilders at the same time, which gives a valuer more comparable sales than a single-developer site.

Chilmington Green, Ashford

Up to 5,750 homes. Homes here are bound by a rentcharge deed that lets the community management organisation collect an estate charge, capped and linked to RPI. The deed was amended to meet major lenders’ requirements, but your solicitor and lender will both want to see it.

Otterpool Park, Folkestone and Hythe

An application for 8,500 homes, within a masterplan for up to 10,000, was resolved for approval in April 2023 subject to a legal agreement. Homes England and the council are now working together on an updated application, so there is no date yet for the first homes.

What a new build costs against existing homes

New build prices are only published by region, and they lag the main index by two months. In June 2026 the average new build in the South East cost £469,628 against £375,116 for an existing home, a premium of about 25%. New build prices fell 1.2% over the year while existing homes were broadly flat. The Kent average across all property was £345,200 in August 2026.

Prices: UK House Price Index, August 2026, published 21 October 2026 (new build figures for June 2026, South East region). The premium is our calculation.

A premium is normal, but it matters for the mortgage because the lender lends on the valuation, not the price. If the valuer sees the home as worth less than you are paying, the difference comes from your pocket. Our guide to new build down-valuations explains what happens next.

South East new build: £469,628
Existing home: £375,116
Premium of about 25%
New build prices down 1.2% on the year

Developer incentives, such as paid stamp duty or a contribution to your deposit, are declared to the lender and usually capped, often at 5% of the price. Anything above the cap is normally deducted before the loan is worked out. Our guide to the 5% incentive rule has worked examples.

Timing, warranties and charges on Kent sites

Most mortgage offers last about six months, and on a large phase the build can take longer. If your completion date is uncertain, we choose a lender whose offer can be extended or which offers longer validity on new builds. See our guide to offer expiry on new builds.

Lenders also want a recognised ten-year warranty, such as NHBC, LABC or Premier Guarantee, and a clear picture of any estate charges. On garden town sites like Chilmington Green those charges are part of what you are buying, so we check that the lender accepts the arrangement before you pay a reservation fee.

Access to the Whole Mortgage Market

As a whole-of-market mortgage broker, we compare deals from a wide range of UK lenders — including high-street banks, building societies and specialist providers — to find the right fit for your Essex property purchase or remortgage, including options for complex income, adverse credit and buy-to-let.
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Our Mortgage Application Process

A clear, structured process from your initial enquiry through to completion.

Initial Conversation

We talk through what you are buying or remortgaging, your income and your timescale, and tell you honestly what is achievable.

Documents Gathered

We tell you exactly what each lender will want and collect it once, rather than drip-feeding requests later.

Whole-of-Market Search

We compare lenders on total cost over the deal period and on whether they will accept the property and your circumstances.

Recommendation

You get a clear explanation of what we recommend and why, including the costs, before anything is submitted.

Application Submitted

We submit, chase the valuation and handle underwriter queries so you are not the one waiting on hold.

Offer and Completion

We stay with the case through to offer and completion, and keep your solicitor and agent updated.

What Our Clients Say

We’re proud of the relationships we build with our mortgage and protection clients. Here’s what they say about working with Falcon Finance on Google.

 
 
 
 
 
 
 
  
 
 
  
 Jana Antoniou profile picture 
 
 
 Jana Antoniou 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
As a foreign national looking to purchase an investment property in the UK, I was finding it difficult to secure a buy-to-let mortgage due to my circumstances.

Falcon Finance were fantastic from start to finish. They understood the challenges involved with obtaining a mortgage as a foreign national and helped me find a suitable lender when other options seemed limited.

The whole process was handled professionally, with excellent communication and clear guidance throughout. What initially seemed like a complicated situation was made much easier.

I would highly recommend Falcon Finance to anyone looking for a buy-to-let mortgage, particularly foreign nationals investing in UK property. Excellent service and very knowledgeable!
  
 
  
 
 
  
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 Bettina Black 
 
 
 
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We honestly thought getting our first mortgage would be impossible because of previous CCJs and defaults on our credit reports.

After speaking with Falcon Finance, we finally felt like someone understood our situation rather than just judging us on our credit history.

The team took the time to go through everything, explained our options clearly and helped us find a specialist lender who could consider our circumstances.

They were professional, patient and kept us updated throughout the process. What initially seemed impossible suddenly felt achievable.

We couldn’t recommend Falcon Finance enough, especially to anyone who’s been turned away by high street banks or has had credit problems in the past.

Thank you so much for all your help!
  
 
  
 
 
  
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 Sazzad Hossain 
 
 
 
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Falcon Finance helped me secure a bridging loan and made the whole process simple and stress-free. They were quick, professional, and explained everything clearly. I felt confident throughout and would highly recommend them for bridging finance.
  
 
  
 
 
  
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 Charmaine Jelley 
 
 
 
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Our broker from Falcon Finance has been fantastic. He’s gone above and beyond to get our complex transaction done. We needed a buy to let mortgage and residential, he sought both very quickly and supported us throughout the process, chasing the bank/solicitors. Very impressed.
  
 
  
 
 
  
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 Erblina Duraku 
 
 
 
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Falcon Finance - Brilliant service from the very beginning. I highly recommend his service.
  
 
  
 
 
  
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 Digby Jackson 
 
 
 
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Os was fantastic throughout. It was our first experience with a BTL mortgage process combined with a residential mortgage in one transaction  -  he walked us though it all calmly and at speed to deliver in quick time . Really excellent. Would recommend
  
 
  
 
 
  
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 Alison Ballantyne 
 
 
 
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We are very pleased with the excellent and professional service provided to us by Osman Emin. Thank you for advising us on the right financial options for us and executing the subsequent service provision so well.
  
 
  
 
 
  
 Connie profile picture 
 
 
 Connie 
 
 
 
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Oz was excellent through and through, he kept me updated daily without me having to prompt or chase, the speed and ease of the remortgage process was FANTASTIC!! I got life insurance too!!

Whenever, I need a new mortgage, I will be contacting Oz and can happily refer him to anyone who needs a mortgage and or life insurance
  
 
  
 
 
  
 Alison abel profile picture 
 
 
 Alison abel 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Osman, is an absolute credit to this company. Buyer signed application, valuation completed a few days later and within a day or two the mortgage offer was issued. Super fast service and kept updated  throughout the process.
  
 
  
 
 
 
 
   
 
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Read Our Reviews

Read More From Our Guides

The decisions that come up most often on a new build purchase in this part of the country.

Stamp Duty Explained

Current rates, first-time buyer relief and the surcharges that catch people out.

Learn More →

First-Time Buyer Advice

The national guide to a first purchase, deposits and schemes.

Learn More →

Mortgage Deposit Calculator

What a given deposit does to the band you qualify for.

Learn More →

How Much Can I Borrow

A realistic borrowing figure before you reserve a plot.

Learn More →

Reserving a new build in Kent?

Tell us the development, the plot and the expected completion date. We will match you with a lender whose offer lasts the build and who accepts the site’s estate arrangements.

Speak to a Mortgage Broker
Call 020 8242 1657

Read our mortgage guide, our national guide to new build mortgages, or explore mortgage advice across Kent.

Where to go next

Related pages for Kent borrowers, and the national guides behind them.

Mortgage Broker in KentThe county overview, district by districtRead more →First-Time Buyers in KentDeposits and affordability across the countyRead more →Remortgaging in KentA flat county, so capital repaid is the leverRead more →Buy to Let in KentWhere east Kent rents changed the cover testRead more →First-Time Buyer AdviceThe national guide to a first purchaseRead more →Moving HomePorting, staying or switching lenderRead more →Specialist MortgagesWhen the high street does not fitRead more →Mortgage CalculatorsSixteen free toolsRead more →

New Build Mortgages in Kent: Frequently Asked Questions

Which are the biggest new build schemes in Kent?

Ebbsfleet Garden City, with up to 15,000 homes and more than 5,000 built by December 2025, Chilmington Green in Ashford, with up to 5,750, and Otterpool Park near Folkestone, planned for up to 10,000 but not yet started.

Yes. Mainstream lenders lend there. The rentcharge deed that funds the estate’s management body was amended to meet major lenders’ requirements, but each lender and your solicitor will review it, so we check before you reserve.

The lender lends on the lower of the price and the valuation, so you would need to cover the gap, renegotiate with the developer or find a lender whose valuer sees it differently. On multi-builder sites like Ebbsfleet there are usually more comparable sales to support the price.

Usually around six months, though some lenders offer longer on new builds or will extend. If your completion date is likely to slip, we choose the lender with that in mind.

Kent County Council counted 7,660 net additional homes across the Kent districts in 2024 to 2025, against a government housing need figure of about 11,928 a year.

Have a different question? Get in touch or read our full mortgage FAQs.

Osman Emin, CeMAPWritten and reviewed by Osman Emin, CeMAP, mortgage and protection adviser · FCA register OCE01003 · Updated
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.