What happens when your fixed-term mortgage deal comes to an end?
Find out what happens when your fixed-rate mortgage ends, explore your mortgage options and discover how to secure a suitable deal with expert advice.
News
Welcome to the news room! Read news, views, house price reports, opinion and blog posts on all things property and ESPC related. Use the News topics on the right hand side to help you select news that's of interest to you.
How to prepare for a mortgage application
Getting ready to apply for a mortgage? David Lauder, Mortgage Adviser at ESPC Mortgages, shares everything you need to know.
What are the benefits of using an Independent Mortgage Adviser
Discover the benefits of using an independent mortgage adviser, from accessing more lenders to finding a mortgage suited to your circumstances.
Can you get a mortgage without permanent residency?
Buying a home in Scotland without permanent residency? Find out how settled status, pre-settled status and temporary visas affect mortgage applications.
Why does income protection insurance matter while you’re saving for your first home?
Saving for your first home? Discover how income protection insurance could help protect your income, house deposit and home-buying plans.
What is an Agreement in Principle and why does it matter when buying a home?
Find out what an Agreement in Principle is, why it matters when buying a home in Scotland, and how it can strengthen your position with sellers.
What does the Bank of England announcement mean for the property market?
Discover what the Bank of England's latest interest rate decision means for the Scottish property market, mortgage rates, buyers and sellers.
What is a Buy-to-Let Mortgage? A guide for Scottish property investors
Learn how buy-to-let mortgages work in Scotland, including deposits, landlord costs, rental income rules and property investment tips.
How global events are affecting mortgage rates in Scotland
Mortgage rates in Scotland are influenced by global events, inflation and Bank of England decisions. Find out what this means for buyers and homeowners in Edinburgh and across Scotland.
Top five mortgage tips for first time buyers
Paul Demarco from ESPC Mortgages gives his top five tips to help first time buyers get on the property ladder.