Mulberry Homes: Why Now’s the Time to Buy New.
Over the past year, mortgage rates have steadied after a period of sharp increases. While they’re still higher than the ultra-low rates of 2020–21, lenders are offering competitive deals again, with many high street lenders offering rates beginning with a 3 (correct as of 16/10/2025). With a growing level of flexibility, we have seen many mortgage lenders relax their rules, which arguably makes obtaining a mortgage easier than it has been in recent years. Combined with the opportunity to borrow money over a longer period, many home buyers have taken advantage of keeping their monthly mortgage payment at an affordable level.
If you’re already on the property ladder, this could also be a strategic time to move. With house prices stabilising in many regions, second steppers can often trade up without facing the same level of competition that defined the post-pandemic market. Selling and buying in the same market also means you’re less affected by short-term price fluctuations. For first-time buyers, today’s market can feel daunting, but there are still strong opportunities and incentives, such as deposit contributions or upgrades included in the price. These add to the benefit of reserving your new home now.
Mulberry Homes' offering to pay your mortgage for either 6 or 12 months will be very attractive to many, allowing them to focus on making their new house a home. Having the mortgage payments covered for a period of time will free up a significant chunk of income, allowing for a whole host of opportunities.
We have seen New-build homes continue to attract attention for good reason:
Energy efficiency means lower bills. We have seen many lenders offer ‘better’ mortgage products for such properties also.
Modern layouts and smart technology are increasingly standard.
Low maintenance, everything is brand new and under warranty.
Developers can include extras or financial incentives that older homes can’t match.
No onward chain resulting in a more stress-free transaction.
To discover our current mortgage incentives, visit our development pages to find your perfect Mulberry Home.
FAQ:
Are there many mortgage options for me?
We can access over 10,000 different mortgage products here in the UK. There are a lot of options with many people unaware of just how many different circumstances lenders can consider.
Is buying a new build a good option?
With many benefits such as lower cost energy bills, modern layouts, brand new internals and potential incentives offered, a new build can represent a cost-efficient way of owning your next home.
Are mortgage rates competitive at the moment?
Mortgage rates rose significantly post-pandemic, easing more recently. Many high street lenders are currently offering rates beginning with a 3. (correct as of 16/10/2025)
How does a mortgage payment incentive benefit me?
The Mulberry Mortgage incentive allows you to have your mortgage payment paid for either 6 or 12* months. This means you will have significantly lower costs after moving in for a period of time, allowing you to utilise this money elsewhere.
Am I able to customise my new Mulberry Home?
We have seen many people lean towards newbuild in recent years. Mulberry Homes allows you to make many choices about how your new home will look when you move in, resulting in a really personalised finish. With an ever-increasing cost for tradespeople and materials, we have seen an increase in people gravitating towards new build to avoid these costs, which may be found in an established property.
*Based on 4% interest rate over a 30-year term, and 80% LTV. Speak to our lovely Sales Team to find out more information on eligible homes and for full terms and conditions.
