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TORC24 is a personalised mortgage specialist

We are here to help you secure and move into your new home

Buying your new build home with our team’s assistance will make it so much easier whether you are a home mover, buy-to-let investor or first time buyer. 

We are professionals passionate about delivering a truly first class service to our customers. 

We are proud to work alongside many of the leading housebuilders and lenders in the new homes industry,
which we have done for over 30 years.

We know there are many advantages to buying a new build home, here are just a few:

Energy Efficiency: Developments in the way new build homes are constructed means that they are more energy efficient. This will help to dramatically reduce your energy bills. This has now become a very important aspect to consider when buying your next home. Overall, new build homes are far cheaper to run.
Carbon Footprint: New build homes tend to be more energy-efficient so not only good for the environment, it generally means you benefit from lower utility bills.
Property Guarantees: New build homes come with a 10-year NHBC warranty, alongside most developers providing their own two-year warranty.
High specification: New build homes are built to the latest specifications, which should also mean no repair costs for the first few years.
Personalisation: New build homes are a “blank canvas” allowing you to choose your own decoration and if you are able to buy off-plan, there is often the opportunity to choose your fixtures and finishes.
Smoother process: As there’s no upward chain to deal with when buying a new build home, you won’t be stuck waiting for someone to sell a property before you can move in.
Buying Incentives: Some housebuilders have a number of schemes to assist your purchase: Pay your legal fees or even your stamp duty. Part Exchange where the housebuilder buys your current home. Assisted Move options that help you to sell your home more easily.

What about fees?

Buying a new home does have a number of fees and costs associated that you should ensure you take into account when preparing your finances.
Stamp Duty: A fee the government charges when buying a property.

Survey Fees: Lenders require this to ensure your property is suitable to lend against.

Conveyancing: The legal fees associated with buying or selling a property.

However not all of these fees are due up front, some can even be added into your Mortgage and for the majority of our customers (97%) there are no fees from us. If you are not a loyalty member, then a fee may apply. 

Why not speak to one of our team today. They can walk you through this and help making the purchase of your New Home a simpler one.

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This is not a formal quotation or a commitment to lend. All figures provided are for illustrative purposes only. Figures provided will be dependent on your financial situation, property value and the size of your deposit or equity.

Are you self-employed?

Navigating the hurdles

For those who are self-employed, we can advise on the mortgage options available, the criteria you will need to meet and the information required to give to the lender. We can also provide advice and assistance with remortgaging, or if you are thinking of moving from an existing property or downsizing to release equity in your current home.

If you are thinking about a remortgage, why not speak to one of our Remortgage Specialists, please call us on 01832 281717