Flagship consultation
First-time buyer mortgage advice
A guided appointment covering deposit readiness, lender shortlists, and how much you can borrow without stretching the monthly budget.
Who it is for
Couples and individuals buying their first home in Scotland or elsewhere in the UK
What you walk away with
A written borrowing range, a shortlist of suitable lenders, and a clear next step toward an Agreement in Principle
How we meet
In person at our St. Bauch office or by video call across Scotland
Included
- Affordability review using your income, outgoings, and deposit
- Explanation of fixed-rate, tracker, and discount products in plain English
- Stamp duty / Land and Buildings Transaction Tax pointers for your purchase
- Introduction pack for your solicitor once you instruct a lender
- Follow-up email summarising recommendations within two working days
Not included
- Legal conveyancing or valuation fees
- Guaranteed lender approval
- Ongoing brokerage after you complete unless you book a remortgage review
How the appointment runs
-
1
Share payslips, bank statements, and deposit evidence ahead of the meeting
-
2
We map monthly costs against likely mortgage payments
-
3
You leave with a shortlist and agreed actions for the next fortnight
Preparation
Bring three months of bank statements, recent payslips or tax returns, and a note of any existing credit commitments.
Constraints
We advise only; lenders make the final lending decision. Advice is regulated and documented.