Scotland launches new housing scheme for first time buyers
If you live in Scotland and would like to buy your own home but you’re struggling with the cost then you might want to carry on reading...
Our Resources
Our resources section has been created to help you understand the processes behind raising a mortgage and buying your home. From useful articles to finding your mortgage to our very own mortgage calculators.
First time buyers
Equip yourself with everything you need to buy your first home.
Buy-to-Let
A place for landlords to keep up-to date and informed.
Because we play by the book we want to tell you that…
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
Remortgaging
Is it time to switch? It’s healthy to regularly review your current circumstances – let us help you.
Moving home
A mixture of useful resources if you’re on the move or making your next purchase.
Protecting your home
All you need to know about keeping up the repayments on your mortgage.
Our Guides
Our award-winning advisers share their expert knowledge in a range of mortgage guides. We cut through the jargon and explain things in simple terms.
We’re constantly adding to the collection, so keep your eyes peeled for more guides coming your way.
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First Time Buyers Guide
Find out everything you need to know about buying your first home.
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Moving Home Guide
Find everything you need to know about the home moving process in one place.
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Buy-to-Let Guide
Find out more about landlord responsibilities, choosing the right mortgage, and much more.
Our Calculators
Our mortgage calculators are a quick and easy way to see what options are available when it comes to choosing the right mortgage for you.
From monthly repayments, to overall borrowing amounts and stamp duty fees, you can find everything you need right here.
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Repayment Calculator
We can help you calculate your monthly mortgage repayments. However, please be aware these may vary depending on the term and interest rate of your mortgage.
Repayment Calculator
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Borrow Amount Calculator
Use our mortgage borrowing calculator and discover how much money you could borrow so that you can own your own home.
Borrow Calculator
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Stamp Duty
Use our calculator below to work out if you'll have to pay stamp duty, and if so, how much?
Stamp Duty Calculator
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Land and Buildings Transfer Tax
Land and Buildings Transaction Tax (LBTT) is Scotland's version of UK's Stamp Duty Tax.
L&B TT Calculator
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Land Transaction Tax
Land Transaction Tax (LTT) is Wales version of UK's Stamp Duty Tax.
LTT Calculator
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Life Insurance Calculator
Our life insurance calculator can help you work out how much life insurance cover you may need
Life Insurance Calculator
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Equity Release Calculator
Use Mortgage Advice Bureau Later Life calculator to work out if you’re eligible for equity release, and if so, estimate how much you could borrow.
Equity Release Calculator
FAQs
We’ve collated our most frequently asked questions below, but if there’s a question on your mind that we haven’t covered, please get in touch.
What is a mortgage broker?
A mortgage broker’s job is to find the right mortgage deal for your needs. We have access to many different mortgage products and lenders, so you aren’t just tied to fitting one lender’s criteria, like you would be if you took a mortgage out through a bank or building society. We also deal with the whole application process so you don’t have to worry about the paperwork or admin that’s required. Find out more about the differences between a mortgage banker and a mortgage broker.
Do you charge a fee?
Yes, we do charge a fee. By charging a fee, we can spend more time advising and supporting you throughout your application, and means our advice can be focused solely on your needs. Your mortgage adviser will be able to tell you what their fee is.
What different types of mortgages are there?
The two main types of mortgages are fixed rate and tracker.
Fixed rate mortgage - You’ll always pay the same amount each month as your interest rate is fixed for a certain period of time e.g. 2 years, 5 years etc.
Tracker mortgage - The amount of interest you pay can change so the amount you pay each month can also change too.
You can find out about other types of mortgages that are available here.
Will my bad credit history stop me from getting a mortgage?
Not necessarily. We aim to help everyone get onto the ladder, no matter what your circumstances are. Our specialist advisers will assess your individual needs and make a recommendation that is right for you. Read our article ‘A guide to getting a mortgage with bad credit’ for more information.
How do I work out how much I can afford?
The amount you can borrow will depend on a few things e.g. the house price, your deposit amount, your monthly expenditure and income.
Use our online borrowing calculator to get a rough estimate of how much you might be able to borrow.
What insurances do I need for a mortgage?
To be accepted for a mortgage, you will need buildings insurance as a minimum. We recommend you take out the contents part of the insurance with that too (building and contents insurance).
There are other insurances that can protect you and your family from the unknown, such as life insurance, critical illness cover, income protection. Our advisers can talk through these different options so you can decide whether these might be right for you.
Need more help?
Read the latest news
Keep an eye on our latest news to remain ‘in the know’ when it comes to the world of mortgages.
National Mortgage Index December 2019
Great news as the property market remains in a steady condition as we approach 2020.
National Mortgage Index November 2019
This month's NMI shows how the current political climate hasn't put off buyers.
Nationwide House Price Index December 2019
This month's report shows a buoyant market with buyer confidence levels remaining high.
Halifax House Price Index November 2019
This morning's data shows that moving house is likely to be needs-driven at the moment, rather than a discretionary purchase.
Nationwide House Price Index November 2019
With Christmas fast approaching, it looks like the housing market will be leaving 2019 behind with a strong set of fundamentals.
Halifax House Price Index October 2019
The ongoing political uncertainty might be causing sellers to be more pragmatic about their sale price if they want to sell during this period.
Nationwide House Price Index October 2019
Prices have slipped slightly between August and September, however, there are signs of ongoing resilience.
Halifax House Price Index September 2019
This morning’s report from Halifax suggests that average values remained broadly stable in August in a modest year on year increase.
Nationwide House Price Index September 2019
This morning's report shows a 'no news is good news' mantra.
National Mortgage Index August 2019
September's NMI data reveals that despite what would usually be a quiet time, considering the recent economic changes, certain regions have actually performed well.
Rightmove House Price Index August 2019
We can see from today's data that we may see a pause in the market due to the possibility of stamp duty reform in the Autumn budget.
Meet our happy customers
We’re passionate about helping people get to where they want to be on the property ladder. Here our customers share their stories of how we helped get them there.
Because we play by the book we want to tell you that…
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.