Enquiries from second- and third-step buyers interested in new-build homes rose 23% in the first half of 2026, indicating renewed demand from existing homeowners. At the same time, industry discussion continues over how the Future Homes Standard could affect development costs and lender valuations.
This creates a more nuanced advice opportunity than simply comparing mortgage rates. AI-supported research and workflow tools may help advisers compare lender appetite, property characteristics and client affordability, but new-build incentives, valuation assumptions, service charges and completion timing require careful manual review. Advisers should ensure clients understand the difference between a developer incentive and a lasting improvement in overall affordability.