Find the home that's right for you

Our Customer Experience Manager will help you find the perfect home – whatever your plans
Find out about the financial help and advice availableFind out about the financial help and advice available

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Dundas - Mortgage Guide

Mortgage Guide
The Dundas home buying process

A straightforward series of steps to get you into the home of your dreams.

Visit one of our show homes

Decide which of our developments you like the look of and then book a visit to the showhome. You'll meet one of our Customer Experience Managers who'll show you around, answer your questions and help you choose the best home for you.

Explore our developments

Reserve your new home

When you've decided which home you want to buy, complete a reservation form and pay your first deposit.

Appoint your solicitor

Once you've reserved your new home, you will need to appoint a solicitor to help you with the legal aspects of the sale. We will need their details so we can move things along.

Get your mortgage set up

We can put you in touch with our appointed mortgage brokers, First Mortgage, if required. First Mortgage are experts in the mortgage market, especially for new build properties.

Sign Missives

This step commits you to the purchase of your Dundas home. Your Solicitor will oversee this process.

Move In

On move in day your Solicitor will make final arrangements for the outstanding balance on your new home to be paid. Then you’ll be handed the keys!

The Dundas home buying process

A straightforward series of steps to get you into the home of your dreams.

  • Visit one of our show homes

    Decide which of our developments you like the look of and then book a visit to the showhome. You'll meet one of our Customer Experience Managers who'll show you around, answer your questions and help you choose the best home for you.

    Explore our developments
  • Reserve your new home

    When you've decided which home you want to buy, complete a reservation form and pay your first deposit.

  • Appoint your solicitor

    Once you've reserved your new home, you will need to appoint a solicitor to help you with the legal aspects of the sale. We will need their details so we can move things along.

  • Get your mortgage set up

    We can put you in touch with our appointed mortgage brokers, First Mortgage, if required. First Mortgage are experts in the mortgage market, especially for new build properties.

  • Sign Missives

    This step commits you to the purchase of your Dundas home. Your Solicitor will oversee this process.

  • Move In

    On move in day your Solicitor will make final arrangements for the outstanding balance on your new home to be paid. Then you’ll be handed the keys!

    First time buyer?

    Buying your first home is a big step – our guide makes it a breeze
    The fun bit

    As the paperwork for the purchase of your new home goes through, you'll get to know your property and decide what options and extras to choose.

    Find out about your new home

    Soon after you've reserved your new home, you'll be invited to review a check-list of all the key elements of your property, everything from its external finishes to the lay-out of your electrical sockets.

    Choose your options and extras

    Depending on the build stage your house is at, you’ll be invited to choose from a wide range of options and extras, including fittings and finishes for your kitchen, bedrooms and bathrooms.

    Find out more

    Walk round for the first time

    As your home nears completion, we'll show you round and explain how everything works and what remains to be done. We'll let you know when everything will be finished.

    The fun bit

    As the paperwork for the purchase of your new home goes through, you'll get to know your property and decide what options and extras to choose.

    • Find out about your new home

      Soon after you've reserved your new home, you'll be invited to review a check-list of all the key elements of your property, everything from its external finishes to the lay-out of your electrical sockets.

    • Choose your options and extras

      Depending on the build stage your house is at, you’ll be invited to choose from a wide range of options and extras, including fittings and finishes for your kitchen, bedrooms and bathrooms.

      Find out more
    • Walk round for the first time

      As your home nears completion, we'll show you round and explain how everything works and what remains to be done. We'll let you know when everything will be finished.

      Things to think about

      Keep the following in mind when you're planning your move

      Know your budget

      The first thing to do is to make sure you know exactly what you can afford to spend - especially on your mortgage costs. Do a careful budget to see what your monthly out-goings are and how much you're earning.

      Understand all the costs

      Remember that moving house comes with a number of unavoidable costs and budget for these. They include moving costs, legal fees and land and building transaction taxes.

      Don't give up too soon

      You may feel that you just can't afford the home of your dreams – but don't give up. We'll let you know about the financial assistance that's available and point you in the direction of mortage advice that could make things possible.

      Be realistic if selling your old house

      If you are selling a home to make a move to a new-build, be realistic about how much you might receive for your property and about how quickly it will (or won't sell). Take advice from your estate agent and plan accordingly.

      Things to think about

      Keep the following in mind when you're planning your move

      • Know your budget

        The first thing to do is to make sure you know exactly what you can afford to spend - especially on your mortgage costs. Do a careful budget to see what your monthly out-goings are and how much you're earning.

      • Understand all the costs

        Remember that moving house comes with a number of unavoidable costs and budget for these. They include moving costs, legal fees and land and building transaction taxes.

      • Don't give up too soon

        You may feel that you just can't afford the home of your dreams – but don't give up. We'll let you know about the financial assistance that's available and point you in the direction of mortage advice that could make things possible.

      • Be realistic if selling your old house

        If you are selling a home to make a move to a new-build, be realistic about how much you might receive for your property and about how quickly it will (or won't sell). Take advice from your estate agent and plan accordingly.

        FAQs: I'd like to know ...

        Whatever questions you might have about buying a new home, we can help.

        • How long will it take to complete my purchase?chevron-down

          Every purchase is different, and the answer depends on the stage the build has reached when you reserve your new home. We will give you an estimate when you make your reservation and keep you up-to-date as things move forward, letting you know immediately if there are any delays.

        • When will I know my move-in date?chevron-down

          You will normally be given an estimated three month move-in date when you reserve your new home. As the build of your new home progresses, we will keep you regularly updated on how things are going and narrow down your move-in date. We will then give you a week commencing date once we have been given all the necessary certificates from the NHBC and Local Authority for your new home.

        • How do I know if a home is affordable?chevron-down

          When considering the purchase of a new home, it is very important to ensure that you can afford to make any necessary mortgage, up-keep and utility payments. To see if this is the case, you need to have a comprehensive picture of your future monthly outgoings and income. Remember to consider all aspects of your finances, from your utility bills and taxes, to your daily costs and holiday budget. We can help you with projections of the costs of running your new home. Your financial advisor or mortgage provider should be able to help you with projections for your mortgage bills.

        • Should I talk to the bank about mortgages before starting to look for a house?chevron-down

          We would suggest that you talk to a financial or mortgage advisor. An advisor has access to a wide range of financial products and will be able to choose the one that will best meet your needs. Our appointed mortgage advisors are First Mortgage who are experts in the mortgage market, especially for new build properties.

        • Is there anything I should consider if I’m buying a second home?chevron-down

          You should be aware that you may have additional tax to pay if you are buying a property that will be a second home (e.g. a buy-to-let property). The Additional Dwelling Supplement is an additional amount that you have to pay as part of the Land and Building Transaction Tax (LBTT). The ADS rate is currently (2021) 4% (usually of the purchase price).

        • Do I need a survey?chevron-down

          If you are taking out a mortgage to buy your new home, then your mortgage provider will need to get a valuation done on the property. However, there is no legal requirement to get any kind or structural survey done. You can be confident in the structural quality of your new Dundas home as it will have been assessed multiple times during its build by the NHBC. On completion, your new home will have received both NHBC & habitation certificates.

        • What are missives?chevron-down

          Missives are legal documents that you will have to sign that show that you are committed to purchasing your new home. Once you have signed the missives, there are significant implications involved if you decide to pull out of the purchase.

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