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Mortgage Pay is available on selected homes only. Check with your Sales Consultant to find out if it is available at your development.
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What is Mortgage Pay?
First time buyer and home mover help available now
If you're buying a home for the first time, you've probably seen discussions about potential new Government support for first-time buyers. While those details are still emerging, Mortgage Pay is available today on selected Cala homes. Mortgage Pay could provide up to 5% of your home's purchase price, capped at £12,000, helping make your move more affordable from the outset.
Unlike support that may become available in the future, Mortgage Pay is available right now to eligible buyers on selected Cala homes. Better still, it's not limited to first-time buyers. Home movers can benefit too.
Whether you're looking for first-time buyer help or simply want a little extra flexibility when moving, Mortgage Pay can help make your new home feel more affordable from the moment you move in.
Find your dream home today
Ready to ditch the financial headache and step into your dream Cala home with confidence? Get in touch with us today. Our friendly sales teams can answer any questions you have about Mortgage Pay and help you find the perfect new place to call home.
Are you looking for a different service or incentive?
We can offer a range of moving incentives to help make your dream move a reality. Take a look at our 'Helping you Move' page or speak to a sales consultant at your nearest Cala development, to find out which of our services or incentives could benefit you the most.
Where do I start with Mortgage Pay?
Applying for Mortgage Pay is as easy as one, two, three
Agree your Mortgage Pay offer
If Mortgage Pay is available on the home you select, you could receive up to 5% of the purchase price of your new home, capped at £12,000 unless otherwise agreed.
Complete your purchase
The Mortgage Pay amount is deducted from your completion statement, leaving the equivalent amount available in your bank account after completion.
Enjoy greater flexibility
Use the money towards your monthly mortgage repayments, furnishing your new home, tackling those moving expenses or creating extra financial reassurance during your first year of homeownership.
Frequently Asked Questions about Mortgage Pay
Whether you're buying your first home or moving to your next one, it's natural to have questions about how Mortgage Pay works and whether it's right for you. We've answered some of the most common questions below to help you understand how Mortgage Pay could make your move more affordable and provide greater flexibility as you settle into your new Cala home.
One of the biggest challenges when buying your first home is managing all the costs that come with moving. Mortgage Pay can provide additional financial flexibility, helping you with mortgage repayments, furnishing your home, decorating, or other expenses that arise when settling into a new property.
No. Although Mortgage Pay can be particularly attractive to first-time buyers, it is also available to eligible home movers purchasing selected Cala homes. Whether you're stepping onto the property ladder or moving to your next home, Mortgage Pay could help make your move more affordable.
You should discuss your circumstances with an IFA. However, the details of the potential government support for first-time buyers has not yet been released, so no-one knows currently what the eligibility requirements, launch dates and property price caps will be. If you're ready to move now, Mortgage Pay could help you to move on your own timescales rather than waiting for future announcements.
Once you've reserved your new Cala home with a Mortgage Pay offer in place, the incentive is applied through the home-buying process and reflected in your completion statement. Following completion, you'll have the equivalent value available in your bank account, giving you greater flexibility as you settle into your new home.
Alongside incentives such as Mortgage Pay, Cala homes offer energy-efficient design, modern layouts, lower maintenance requirements and the reassurance of an NHBC or similar industry warranty. Many buyers also appreciate the ability to personalise aspects of their home when purchasing early in the build programme.
Could you afford your move sooner than you think?
Kickstart your home buying journey with confidence
One of the biggest questions when buying your first home is affordability.
This affordability calculator, provided by Mortgage Advice Bureau, gives you a simple way to understand how much you may be able to borrow based on your circumstances.
Combined with Mortgage Pay, it could help you understand whether moving sooner is possible.
Terms & Conditions for Affordability Calculator.
Mortgage Pay Terms and Conditions
Mortgage Pay offer is available on selected plots only and may be time limited.
The Mortgage Pay amount will be agreed prior to reservation. The amount will be up to 5% of the purchase price of your new home up to a maximum of £12,000 unless otherwise agreed.
The value of the mortgage payments will be deducted from the total sale price on legal completion. Some lenders may not accept Mortgage Pay offers from housebuilders.
Contact the Sales Consultant at the participating development for details of the applicable plots and the latest reservation date and legal completion date to which this offer can apply.
This offer is only available in conjunction with any other offer at the sole discretion of Cala Homes. Cala withhold the right to withdraw or alter this offer at any time prior to the payment of the reservation fee.
