Q I've heard it's harder to get a mortgage on a new build. Is this true? If so, why? Natasha Bukowski, York
New-build properties often come with a ‘new-build premium’, as potential buyers are often willing to pay over the asking price, more than they might for a home that's been previously lived in. There also tends to be a buzz around new estates. However, once all the homes are sold, new-build homeowners can experience a slight drop in the value, due to supply versus demand, so the property the mortgage lender has secured against will have fallen in value. That's why some lenders will often restrict
