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Applying for a 95% Mortgage? What You Need to Consider

It was announced in the spring budget earlier this month that the government will be introducing a new 95% mortgage guarantee scheme from April 2021, which will run until December 2022. The scheme has been introduced in response to a large-scale withdrawal of low LTV mortgages following the pandemic, pricing many first time buyers out … Continue reading Applying for a 95% Mortgage? What You Need to Consider

The Spring Budget – New Mortgage Scheme Open to All Buyers

Chancellor Rishi Sunak has now announced the much-anticipated Spring Budget after a challenging year across the globe. He announced a raft of changes including several that will affect the property market and home buyers at all stages. The first change is a government-backed mortgage scheme and the second is an extension to the stamp duty … Continue reading The Spring Budget – New Mortgage Scheme Open to All Buyers

Mortgage Choice at Highest Level Since March 2020

Those looking to move currently have the highest number of mortgage products to choose from since the first national lockdown last March. At present, there are 3,215 mortgages to choose – the highest number for 11 months. Before the lockdown, there were 5,222 mortgages in the market. Since October 2020 there has been a 42% … Continue reading Mortgage Choice at Highest Level Since March 2020

Purchasing a New Home? Get Mortgage Ready!

The recent LBTT threshold change, combined with a re-evaluation of homeowner priorities has led to a surge in demand for property in Scotland. The current levels of market activity looks set to continue for the foreseeable future. In today’s busy market, it’s important that when buying your first or second home, you are prepared and … Continue reading Purchasing a New Home? Get Mortgage Ready!

The Property Market Remains Open

It was announced earlier in the week that Scotland is entering into a new lockdown to curb the spread of Covid-19. Although many businesses have been instructed to close, one industry remains open – the property market. The current guidance states that all activities in connection with moving home, including property viewings, are permitted to … Continue reading The Property Market Remains Open

Understanding Home Insurance

Understanding Home Insurance Having the right insurance is vital – it can protect your home, your income and your belongings. However, once you’ve gone to the effort of obtaining the right policy for you it’s important to make sure you don’t do anything to invalidate your policy.   That’s why you need to talk to … Continue reading Understanding Home Insurance

Can I Still Move During Tier 4 Restrictions?

It was announced that from Friday November 20th 11 local authority areas across central and western Scotland, including Glasgow, will be placed in Tier 4 restrictions until December 11th. This means that more than two million people will return to near-lockdown conditions with non-essential retail, hospitality and entertainment venues closed. People will be encouraged to … Continue reading Can I Still Move During Tier 4 Restrictions?

How to Buy or Sell Your Home as Quickly as Possible

With restrictions looming along with the deadline for the stamp duty holiday ending in March next year, many people want to get moving as soon as possible. Although much of the selling and buying process is out of your control, there are some things you can do to mitigate delays. Prepare paperwork Get your paperwork … Continue reading How to Buy or Sell Your Home as Quickly as Possible

House Prices Rise Steadily

According to the latest House Price Index for August, house prices are steadily rising against the backdrop of the Coronovirus pandemic. UK average house prices increased by 2.5% during the year to August, up from 2.1% in July. On a monthly basis, this was a rise of 0.7 per cent, and an improvement on the 0.3 … Continue reading House Prices Rise Steadily

COVID-19 Property Market Update 

Many existing and potential homeowners are wondering whether to move now or delay their plans until they have a clearer picture of how long the pandemic will last.  Since the market reopened here in Scotland in June, people have flocked to estate agents to purchase a new home. Properties are going to closing date, achieving … Continue reading COVID-19 Property Market Update 

Homes Selling at Fastest Rate in 10 Years

According to Rightmove (4 September) one in seven properties are under offer within a week of going to the market following what can only be described as a buying frenzy. The number of homes selling within one week has hit a 10-year high and since the threshold change for Stamp Duty (LBTT) was announced across … Continue reading Homes Selling at Fastest Rate in 10 Years

What’s Driving The Property Mini-Boom?

Despite the country slipping into recession, house prices currently are at their highest level. What has driven this mini-boom and how long will it last? On Monday Rightmove reported that the portal has had its busiest week in 10 years. Since June 29th when the property market in Scotland reopened, estate agents have reported a … Continue reading What’s Driving The Property Mini-Boom?