The first step into the property market can be an exciting but a nerve-racking experience for any first time buyer. 

First time buyer 887 x 300-min

After all, it's one of the most important financial decisions you make in a lifetime. That's why at ESPC, we offer expert mortgage advice to help guide you every step of the way into your first dream home.

With mortgage interest rates, fixed rates and tracker mortgages at an all-time low now is the perfect time to be a first time homebuyer. Still unclear on the difference between fixed rate and tracker rate mortgages? Discover our jargon buster factsheet to help you understand all the mortgage options available to you.

There are several initiatives available to help first time buyers - The Help to Buy (Scotland) Equity Loan Scheme or the LIFT shared equity scheme. One of our  ESPC mortgage advisers Paul Demarco explores the financial assistant schemes available for first time buyers. 

You can also watch our first time buyer video series where ESPC Mortgages adviser David Lauder and Ashley Mcinulty explain all the available incentives and initiatives to help first time buyers to get on the property ladder. 

Help to Buy scheme explained

LIFT scheme explained

Cashback incentives from mortgage lenders

What initiatives are available for first time buyers

For more information or help with any mortgage related enquiry give us a call on 0131 253 2920, email at or visit us at the ESPC Property Information Centre at 107 George Street, Edinburgh, EH2 3ES.

The initial consultation with an adviser is free and without obligation. Thereafter, ESPC Mortgages charges for mortgage advice are usually £350 (£295 for first time buyers). YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOANS SECURED AGAINST IT.

Where reference is made to Independent and/or Individual advice, this will be provided by ESPC Mortgages which is a trading style of ESPC (UK) Ltd. ESPC (UK) Ltd is a wholly owned subsidiary of Edinburgh Solicitors Property Centre Limited and is an Appointed Representative of Lyncombe Consultants Limited which is Authorised and Regulated by the Financial Conduct Authority.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at