Mortgages in Scotland

Mortgages, remortgages, and house-buying in Scotland work differently from in the rest of the UK. Therefore, if you are looking to arrange a mortgage or a remortgage in Scotland it makes sense to talk to an expert in arranging Scottish mortgages.

The Scotland Mortgages website provides information on the Scotland property system, along with details of all the different types of mortgages and remortgages available. If you want a quote for a new mortgage or want to see if you could save money by remortgaging, we can put you in touch with a mortgage broker who can help you find a mortgage or remortgage from a range of mortgage lenders. So, whether you’re already based in Scotland, or currently live south of the border and are looking to relocate, you really should contact us today.

If you have already done some research into arranging your next mortgage or remortgage, you’ll know that the mortgage market can be a bewildering place. Increased competition between mortgage lenders means there are excellent deals to be had, whether you are moving home or just looking to save money by switching your existing mortgage to a new lender.

But this increased competition also means there are a staggering number of different mortgage and remortgage products available, and finding the right mortgage can be both difficult and time-consuming. After all, there are literally hundreds of different mortgage lenders offering thousands of different mortgage and remortgage packages between them. And the cheapest mortgage is not necessarily always the best value mortgage.

There are:
flexible mortgages
fixed rate mortgages
standard variable rate mortgages
capped rate mortgages
discounted mortgages
buy-to-let mortgages
self-certification mortgages
mortgages that offer up to 125% of the property value
There are adverse credit mortgages for people who have credit problems (for example CCJs) or have been refused a mortgage in the past.

Mortgage interest rates and the amount you can borrow vary from one mortgage lender to another, as do the tie-in periods and redemption penalties on some loans.

Several banks and building societies will pay some or all of the arrangement, survey, and legal fees involved in a mortgage or remortgage.

Your mortgage is probably the biggest financial commitment you will ever make, so it makes sense to seek expert advice to ensure your mortgage is the right one for you.

To arrange for a fully qualified mortgage consultant to contact you for a no-obligation discussion of your mortgage requirements, please click here. If you’d prefer to do some more reading beforehand, you can use the links on the left of your screen to read about the different types of mortgage available and get answers to some frequently asked questions.

Or see this guide to buying property in Scotland which outlines how the Scottish house-buying process works and highlights the differences between the English and Scottish property markets.

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