Money Check

🏠 𝗙𝗶𝗿𝘀𝘁 𝗧𝗶𝗺𝗲 𝗕𝘂𝘆𝗲𝗿𝘀, this one's for you!

The First Home Fund Scotland is now open for applications, we're on hand to assist with any queries.

💻 [email protected]
☎️ 01506 848900
📍 Regent House, Blackness Road, Linlithgow, EH49 7HU.

🔑 Househunting this weekend?

🏠 Let Money Check help you get Mortgage-ready before your dream home appears!

💻 [email protected]
☎️ 01506 848900
📍 Regent House, Blackness Road, Linlithgow, EH49 7HU



Your home may be repossessed if you do not keep up repayments on your Mortgage.

First time buyers looking to buy in Scotland? 🏴󠁧󠁢󠁳󠁣󠁴󠁿 It just got easier.

💻 [email protected]
☎️ 01506 848900
📍 Regent House, Blackness Road, Linlithgow, EH49 7HU.



Your home may be repossessed if you do not keep up repayments on your Mortgage.

We're supporting first-time buyers.

Through our First Homes Fund, eligible first-time buyers will receive up to £10,000 towards their home.

Find out more: gov.scot/news/first-homes-fund-open-by-end-of-june/

𝗙𝗿𝗶𝗱𝗮𝘆 𝗥𝗼𝘂𝗻𝗱 𝗨𝗽
This week at 𝗠𝗼𝗻𝗲𝘆 𝗖𝗵𝗲𝗰𝗸, we've seen lots of lender updates come in that will help us make it even easier for our clients to get the best Mortgage. We've received information on lenders who are improving their interest rates, enhancements have been made to affordability checks allowing us to borrow more and we've seen the introduction of a system specific to Mortgages in Scotland! A great way to finish off the week.

For Mortgage advice you can trust, contact 𝗠𝗼𝗻𝗲𝘆 𝗖𝗵𝗲𝗰𝗸.

📧 [email protected]
📍 Regent House, Blackness Road, Linlithgow, EH49 7HU
01506 848900



Your home may be repossessed if you do not keep up repayments on your Mortgage.

𝗧𝗵𝘂𝗿𝘀𝗱𝗮𝘆 𝘁𝗵𝗿𝗼𝘄𝗯𝗮𝗰𝗸
The average Mortgage taken out today in Scotland is £192,000, compared to £165,000 10 years ago. (Source: British Banker's Association (BBA)). We're borrowing more to buy our homes and the need for Mortgage advice was never greater.

For Mortgage advice you can trust, contact 𝗠𝗼𝗻𝗲𝘆 𝗖𝗵𝗲𝗰𝗸.

📧 [email protected]
📍 Regent House, Blackness Road, Linlithgow, EH49 7HU.
☎️ 01506 848900



Your home may be repossessed if you do not keep up repayments on your Mortgage.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗣𝗿𝗼 𝗧𝗶𝗽
Always shop around when your fixed or tracker deal ends, don’t just roll onto your lender’s Standard Variable Rate (SVR). It’s usually more expensive.

For Mortgage advice you can trust, contact 𝗠𝗼𝗻𝗲𝘆 𝗖𝗵𝗲𝗰𝗸.

📧 [email protected]
☎️ 01506 848900
📍 Regent House, Blackness Road, Linlithgow, EH49 7HU



Your home may be repossessed if you do not keep up repayments on your Mortgage.

𝗔 𝗵𝗲𝗹𝗽𝗶𝗻𝗴 𝗵𝗮𝗻𝗱 𝗳𝗼𝗿 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗮𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗶𝗹𝗶𝘁𝘆
When buying a home, taking small steps can make a BIG difference in how much you can borrow and the Mortgage deals you'll be offered 👇

1️⃣ Boost your deposit. A bigger deposit = better rates & lower monthly payments.
2️⃣ Polish up your credit score. Register on the electoral roll, pay bills on time and keep balances low.
3️⃣ Clear debts. The less you owe, the more you can borrow.
4️⃣ Plan for ALL costs. Don’t forget legal fees, moving costs & bills.

💡 Top tip: Start early! Lenders love to see healthy finances over time.

For Mortgage advice you can trust, contact 𝗠𝗼𝗻𝗲𝘆 𝗖𝗵𝗲𝗰𝗸.

📧 [email protected]
☎️ 01506 848900
📍 Regent House, Blackness Road, Linlithgow, EH49 7HU.



Your home may be repossessed if you do not keep up repayments on your Mortgage.

𝗙𝗶𝗿𝘀𝘁 𝗧𝗶𝗺𝗲 𝗕𝘂𝘆𝗲𝗿 𝗙𝗿𝗶𝗱𝗮𝘆 𝗙𝗮𝗰𝘁
The average age of a First Time Buyer in the UK today is 34.

For Mortgage advice you can trust, contact 𝗠𝗼𝗻𝗲𝘆 𝗖𝗵𝗲𝗰𝗸.

📧 [email protected]
☎️ 01506 848900
📍 Regent House, Blackness Road, Linlithgow, EH49 7HU.

𝗧𝗵𝗶𝗻𝗸-𝗮𝗵𝗲𝗮𝗱 𝗧𝗵𝘂𝗿𝘀𝗱𝗮𝘆
If choosing a fixed interest rate for your Mortgage, should you tie in for 2 or 5 years?

Something to think about 👇

𝟮-𝘆𝗲𝗮𝗿 𝗳𝗶𝘅𝗲𝗱 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲
▫️More flexibility if rates drop
▫️Good if you want to move home again
▫️But.. you'll need to review more often

𝟱-𝘆𝗲𝗮𝗿 𝗳𝗶𝘅𝗲𝗱 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲
▫️Peace of mind for longer
▫️Protects you if rates rise
▫️But... less flexibility if you want to move home or switch

⚖️ Which is most important to you, short-term flexibility or long-term stability?

For Mortgage advice you can trust, contact 𝗠𝗼𝗻𝗲𝘆 𝗖𝗵𝗲𝗰𝗸.

📧 [email protected]
☎️ 01506 848900
📍 Regent House, Blackness Road, Linlithgow, EH49 7HU.

𝗪𝗵𝗲𝗻 𝘄𝗮𝘀 𝘆𝗼𝘂𝗿 𝗹𝗮𝘀𝘁 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗵𝗲𝗮𝗹𝘁𝗵-𝗰𝗵𝗲𝗰𝗸?
If your deal has expired and you've slipped on to your lender's Standard Variable Rate (SVR), you could be paying hundreds more than is necessary.

You should:
📆 Check when your deal ends (or if it already has)
📊 Review your loan-to-value (LTV). Growth in equity may unlock better interest rates
⚖️ Compare your existing lender with other providers, sometimes the grass is greener
🔎 Don't forget to include lender's fees. Sometimes a slightly higher interest rate with no/low fees will save you more overall
✅️ If you're unsure, speak to a 𝗠𝗼𝗻𝗲𝘆 𝗖𝗵𝗲𝗰𝗸 adviser, we can shop around for you.

📧 [email protected]
☎️ 01506 848900
📍 Regent House, Blackness Road, Linlithgow, EH49 7HU.