Mortgage application declined?   With the number of mortgage approvals in the UK currently at an all-time high - it is certainly an exciting time to apply for a mortgage. Whether you are looking to get on the housing ladder or move house, getting approved for a mortgage is still not a straightforward process. In fact, many good applicants will find that their application is denied, especially the self-employed and those with a less than perfect credit score. We’ve caught up with our Managing Director, [...]

Whether you’re a first-time buyer, looking to re-mortgage as you approach the end of your current deal, moving home, or seeing a mortgage on your buy-to-let property, our Expert Mortgage Advisers provide impartial mortgage advice, listen to your individual needs and search the market to find a mortgage deal that suits your needs. Mortgage Advice Solutions secure mortgages for dentists, including orthodontists, periodontists, endodontists, oral surgeons, prosthodontists, and cosmetic dentists.   What mortgages are there for dentists? Depending on your personal and financial circumstances, there [...]

Saving a deposit - where do I start?   Saving money for any purpose can be difficult, but when you make yourself a plan and stick to it you can surprised at how quickly you've reached your goal. When it comes to saving for a deposit to put down on a house, you ideally want as much as possible so we have put together some tips! Open a savings account Having a specific savings account for your mortgage deposit will keep it separate to your [...]

Is it harder to get a mortgage if you're self-employed? If you’re self-employed, it can be more of a challenge to get a mortgage because you’ll need to prove you have a reliable income. But getting a mortgage when self-employed is certainly not impossible. There are plenty of ways to prove to a mortgage lender that you have a reliable income, it’s usually just a case of jumping through a few extra hoops. What counts as self-employed? Lenders will view you as self-employed if you [...]

What is the First Home Fund? The First Home Fund is run by the Scottish Government and aims to help first-time home buyers purchase a property. Up to £25,000 is available to all first-time buyers towards the purchase of both new build and existing properties. A first-time buyer is anyone who does not own, or has previously owned, a property in Scotland or anywhere else in the world. In order to take part in the scheme, you will be required to provide a minimum deposit [...]

The LIFT (Low-cost Initiative for First-Time Buyers) Open Market Shared Equity (OMSE) scheme has helped over 13,000 people since 2005. Applicants can receive up to 40% funding towards the price of a home on the open market. How does the scheme work?  The Scottish Government contributes between 10% and 40% towards the price of a home you have chosen on the open market. For example, if you find a home for £100,000 and can afford to contribute £70,000 (through mortgage and deposit), the Scottish Government could provide the remaining 30% (£30,000). When [...]