New build homes
Financing that holds when the completion date moves.
A new build is a purchase with a moving target. The financing has to be built for that from the start.
Why new builds are different
There's a gap between signing and possession, and it isn't always the gap you were told. Completion dates slip. Deposit structures are staged. The approval you had in month one may no longer be valid in month nine.
Rate holds and approval windows both have expiry dates, and neither is designed around a builder's schedule.
How I work it
Matching the lender to the timeline rather than only to the file, and staying on it as the date moves rather than finding out at the last minute.
I work with buyers across metro Calgary's new communities, and coordinate directly with builders where that helps.
This is for you if
- You've signed with a builder for a home not yet finished
- Your possession date has already moved
- You're comparing builder-arranged financing with your own
- You need to understand the deposit schedule
Think this is your situation?
Send me the details and I'll tell you straight away where you stand — including if the answer is that it needs work first.