Buying your first home in Scotland? Our first time buyer guide covers the complete buying process to help get you on the property ladder, as well as first time buyer mortgage advice and all the latest news and tips you’ll need to get started. 

The buying process

Mortgage advice

The buying process for first time buyers in Scotland

Buying a house or flat for the first time is exciting, but as with anything you do for the first time, there can be a few unknown elements along the way.

Check out our first time home buyer guide in Scotland below for the key steps to buying your first home. 

1. Find a property agent

It is a legal requirement to have a solicitor agent represent you when buying a home in Scotland. They’ll be able to help you through your whole first time buyer journey, so find an ESPC agent today.

2. Get a mortgage in principal

This is confirmation from a bank saying how much they may lend you should you put in an official application. ESPC mortgages can help you with organising this.

3. Work out your budget

This should take into consideration all moving costs. Your chosen property agent and mortgage adviser will be able to help you understand what to account for.

4. Find your dream home

This is the fun bit. You can search through hundreds of properties on our website that are perfect for first time buyers 72 hours before other websites. Don’t forget to sign up to My ESPC to get new property email alerts and much more.

5. Make an offer

The even more exciting bit! Make sure you check the Home Report before doing so, but again your property agent will be able to help you with this.

6. You've had your offer accepted

Hooray! Now it's time to formalise your mortgage and complete the legal process. The property agent you choose and mortgage adviser will be able to guide you through all the official paper work for buying your first home.

7. Start counting down to moving day 

Check out our guide to help make moving day as stress free as possible.

Don’t worry if you have any questions, our property experts are on hand every day to give you specialist first time buyer advice across Edinburgh, the Lothians, Fife, the Borders, central and west of Scotland, and also Dumfries and Galloway. 

First time buyer mortgage advice in Scotland

Finding the right mortgage when buying your first home in Scotland is a very important initial step.

ESPC Mortgages provide specialist first time buyer independent mortgage advice. They are the perfect partner to help you navigate through the first time buyer mortgage market in Scotland and here’s why:

  1. They are independent mortgage advisers - this means they aren’t linked to any one bank and work to get the best possible deal for your personal circumstances, with consideration to first time buyers initiatives, such as the newly launched First Home Fund
  2. They have over 80 years’ experience of helping people buy their first home between them – there’s no question they haven’t been asked before!
  3. They are a friendly bunch – the mortgage process can be rather jargon and process heavy, but our mortgage advisers are great at making the whole mortgage process as pain free as possible. Check out their Google reviews, they speak for themselves!

Find out more about how ESPC Mortgages can help on their page devoted to first time buyer mortgage advice or get in touch directly by filling out the form below.

First time home buyer tips and insights

For the latest first time home buyer guides, updates on government schemes in Scotland and general first time buyer advice, head over to the ESPC News section of our website.

You can also stay up-to-date by signing up to our regular property newsletter. Through these bi-weekly emails you’ll receive loads of useful first time home buyer information, market updates and and the chance to enter prize giveaways.

Here’s some of the most helpful recent first time home buyer articles:

Coronavirus COVID-19 update

The government restrictions on daily life as a result of the Coronavirus COVID-19 pandemic have impacted on the usual processes for buying, selling and letting properties in Scotland. Read the latest information and advice for property buyers and sellers, as well as homeowners, landlords and tenants

Scotlands new first time buyer scheme

Here's everything we know so far about Scotland's First Home Fund, a £150 million national pilot scheme to help first time buyers.

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.

Can I get a 5% deposit mortgage?

Murray Souter, an independent mortgage adviser with ESPC Mortgages, offers advice about 5% deposit mortgages, including some useful tips on how to boost your deposit.

Free face-to-face first time buyer advice in Edinburgh

As every first time buyer’s circumstances are different, the likelihood is you are going to have some questions along the way. We believe everyone has the right to free impartial advice on buying their first home.

So, get your list of questions together, and find out the different ways to access our free advice services:

  1. Sign up to one of our free property events, which regularly includes a specialist first time home buyer seminar
  2. Come in and visit us – we offer free first time buyer advice seven days a week in our Information Centre - no strings attached! And there’s always a coffee on offer too

Start your home search now

Contact ESPC Mortgages

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The initial consultation with an ESPC Mortgages 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.

ESPC (UK) Ltd is an Appointed Representative of Lyncombe Consultants Ltd which is authorised and regulated by the Financial Conduct Authority.