Check you’re eligible
Your Bellway sales advisor can put you in touch with a new-build mortgage expect to find out if you qualify for a Track Record mortgage.
Get more information and updates from Bellway Homes regarding this development via:
Receive updates about other nearby developments from Bellway Homes and sister brand Ashberry Homes, as well as related products and news.
Get more information and updates from Bellway Homes regarding this development via:
Receive updates about other nearby developments from Bellway Homes and sister brand Ashberry Homes, as well as related products and news.
We’ve teamed up with one of the UK’s leading new homes mortgage specialists, New Homes Mortgage Helpline, to help find the right mortgage product for you.
Please note, by ticking the checkbox below you consent to Bellway sharing your data with New Homes Mortgage Helpline (a trading name of The New Homes Group Limited) who will contact you to offer unbiased, reliable and professional advice on mortgages available from a wide variety of lenders. Bellway will receive a commission of £350 when you complete on a mortgage arranged by the New Homes Mortgage Helpline through this portal. This commission does not affect mortgage terms and is not charged to homebuyers.
Why rent when you can buy? Make a move to a brand new home with the help of a Track Record mortgage.*
Saving for a mortgage deposit while also paying rent? It’s like trying to brush your teeth while eating biscuits. The Track Record mortgage is designed to help more people get out of renting and onto the property ladder, even if you have no deposit saved at all.
A Track Record mortgage could be right for you if:
This deposit-free 100% mortgage removes the barriers to buying a home that most renters face. It’s recognition that just because you can’t afford to save for a deposit while paying rent, it doesn’t mean you can’t afford to repay a mortgage.
To be eligible for a Track Record mortgage you’ll need to prove that you’ve paid rent for at least 12 months in a row within the last 18 months*. You must be a first-time buyer or not owned a property in the UK or abroad within the last three years.
As for your mortgage deposit, you don’t need to have one saved at all. You can put down a small deposit but it can’t be any more than 5%.
The Track Record mortgage is available exclusively through Skipton Building Society and can be used to buy a brand-new home or an older property. So if your heart’s set on a new Bellway home, you could break up with renting sooner than you thought.
Your Bellway sales advisor can put you in touch with a new-build mortgage expect to find out if you qualify for a Track Record mortgage.
If you tick all the boxes, you can reserve your new Bellway home. Your days of renting are officially numbered.
Your mortgage specialist will support you through the Track Record mortgage application process and deal with your lender.
One rented door closes and your new door opens. On completion day you’ll be invited to collect the keys to your new Bellway home, and you can move in.
Yes, a Track Record deposit-free mortgage can be used to purchase any type of home. Whether that’s a new build or a second-hand property, or a house or apartment.
Track Record mortgages are currently only available to buyers who are renting in England, Wales and Scotland.
Buyers could be eligible for a Track Record mortgage if:
The amount that Skipton Building Society will lend you depends on how much rent you’re currently paying and your affordability. £600,000 is the maximum loan amount for a Track Record mortgage, and the interest rate will be fixed for five years.
Yes, you can put down a deposit of up to 5% on a Track Record mortgage and borrow at least 95% of the property price. You can also use a gifted deposit provided that it doesn’t exceed 5%.
You don’t have to navigate the mortgage market alone. Bellway has teamed up with the New Homes Mortgage Helpline, one of the UK’s leading new homes mortgage specialists. They’re here to help you find the right mortgage product, whether that’s Track Record or something different.
Use their simple mortgage affordability calculator below to get started.
Please note: by following the link below you consent to Bellway sharing your data with New Homes Mortgage Helpline (a trading name of The New Homes Group Limited) who will contact you to offer unbiased, reliable and professional advice on mortgages available from a wide variety of lenders. Bellway will receive a commission of £350 when you complete on a mortgage arranged by the New Homes Mortgage Helpline through this portal. This commission does not affect mortgage terms and is not charged to homebuyers.
No matter your circumstances, we have a range of available schemes designed to meet your needs.
Out with the old, in with the new build. We buy your home and you reserve one of ours.
We sell your home so you can choose your Bellway home sooner. No fees, no fuss.
We give 5% to your lender, you secure a low-rate mortgage for your new home. It’s a win-win.
Trust us with the house, so you can find a home
Terms and Conditions
* YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. All mortgages are subject to status and lender criteria. To qualify you must have rented for at least 12 months and the mortgage payments must be at least £1 less than your current rental payments. T&Cs apply.