Hi everyone

First post here. Helpful website for people buying new builds.

I have been looking at a Miller Homes new build property in Birmingham at the site of Northcote in Erdington. I have my eye on a plot called sheldon which is plot 104, a 3 bedroom end terrace. Please google miller homes northcote for more details.

Although the website say the property is unreleased, I have been down to the site and viewed the house. It is complete and is listed at £163000.

Now I want to find out from everyone what they would offer in the below two situations:

1) You have saved up 5% deposit and will be using miller homes deposit match scheme to raise the full 10% deposit to for a mortgage.

2) You have £66000 to put down as a deposit which you have raised by remortgaging another freehold property that you have (not sure if miller homes need to know about this or not). You are not using any other scheme and are just going in with an offer.

What would everyone offer in each of those situations, what would your initial offer be, what would be your maximum and what if any extras would you expect?

Thanks in advance.