Mortgages.scot

What is a foreign Currency Loan - FCL?

What is a foreign currency loan? The Mortgage Conduct of Business defines what this is in relation to mortgages. Let's take a look at what that may mean for you in relation to a mortgage.

Guides

Is Klarna bad for your mortgage application?

Is Klarna bad for your mortgage application? I keep seeing a lot of focus is given to this. What is this really about and does Klarna negatively impact your mortgage application?

Views

2 Bed Cottage in Loch Nevis with a whale?

A remote property at Ardintigh on the shores of Loch Nevis and a 60-ton whale on the beach. There has to be more to this property and you are correct!

Interesting Property

The Gart in Callander for sale

love a good Baronial property, especially one that has been maintained in a way that keeps the original spirit of the property in mind. The Gart in Callender is a property that you will either love or hate.

Interesting Property

As a mortgage sanctioner do you always follow policy?

I am a mortgage sanctioner and have had the following question from a mortgage advisor that found the site recently. Interesting question and it is one that I am sure many wonders about when it comes to someone that approves mortgages.

Views

Purchasing listed buildings Scotland

There are many listed buildings in Scotland, not all are as out of reach in terms of value as you may think. However, purchasing a listed building comes with responsibilities and potential costs that you need to consider.

Guides

Do I really need a mortgage advisor?

is a question I get often and am actually surprised I have not covered it before. When looking for a mortgage deal do you really need to use a mortgage advisor?

Views

Decision in Principle

Before you decide on a property to purchase you can obtain a Decision in Principle which gives you confidence a mortgage should be available. Should being the key here, it is not a guarantee.

Guides

Brechin Castle for sale

I do like property with a history, especially in Scotland. This one is no exception. Brechin Castle in Brechin is currently available if you have a spare £3m and can cope with the cost of keeping it in order.

Interesting Property

Half of UK adults dont understand mortgage process

Insurance provider PaymentShield carried out a survey recently that suggested 52% of adults aged between 18-34 said they did not understand the mortgage process. That is a worrying statistic for a society that has such a large reliance on being homeowners.

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