Mortgage

First-Time Buyer Mortgage Support

Securing the right mortgage is one of the biggest steps in your home-buying journey, and I’m here to support you throughout the process. With so many options available, it can feel overwhelming—but with clear guidance and local knowledge, I’ll help you understand your options and make informed decisions with confidence.

Buying your first home is a big step and it’s normal to feel unsure about where to start.

I help first-time buyers understand their options clearly, from deposits and affordability through to choosing the right mortgage and lender. Everything is explained in plain English, so you know exactly what you’re signing up to and why.

You’ll get clear guidance at each stage of the process, realistic expectations and support from application through to completion. The aim is to remove uncertainty, avoid unnecessary stress and help you move forward with confidence.

1. Am I a first-time buyer?

You’re usually classed as a first-time buyer if you’ve never owned a property anywhere in the world. This includes property owned jointly or inherited in the past.

2. What deposit do I need as a first-time buyer?

Most lenders require a minimum deposit of 5%, although a larger deposit can give access to better rates. The right option depends on your circumstances, income and credit history.

3. How much can I afford to borrow?

Affordability is based on your income, outgoings, credit commitments and the lender’s criteria. I’ll help you understand what’s realistic before you start viewing properties, so there are no surprises later.

4. Do first-time buyers pay tax in Scotland?

In Scotland, property tax is called Land and Buildings Transaction Tax (LBTT). First-time buyer relief may be available up to certain purchase prices. I can explain how this applies to your situation.

First-Time Buyer

Buying your first home can feel overwhelming, but the right mortgage can make everything much easier. As a first-time buyer, you may have access to products designed specifically for new homeowners, including lower deposit options and competitive rates.

I’ll walk you through each step—from understanding your choices to securing a deal that suits your budget—so you can start your homeownership journey with confidence and clarity.

Home Mover

Remortgaging can be a smart way to improve your current mortgage and strengthen your finances. Whether you want to lower your monthly payments, release some extra funds, or secure a better rate, I’ll help you understand your options clearly.

I’ll compare the latest deals, look at your individual goals, and guide you through the process so you can choose a remortgage that genuinely improves your financial position.

Buy-To-Let

Investing in rental property means choosing a mortgage that’s built for property investors. Buy-to-let mortgages are designed with rental income and long-term returns in mind, often allowing for higher borrowing based on expected rental earnings.

I’ll help you find the right buy-to-let mortgage to support your investment plans, maximise your returns, and make sure your rental property goals are set up for success.

Remortgage

If you’re moving home, getting the right mortgage in place is key to making the transition smooth and stress-free. Home mover mortgages are designed to give you the flexibility you need when upgrading or relocating, and I’m here to help you find the option that fits your plans.

I’ll guide you through the market, compare the best deals.

Equity Release

Equity release gives you the opportunity to unlock some of the value in your home while still living in it. Whether you want a lump sum or a regular income, it can be a useful way to support your retirement plans, cover unexpected costs, or fund home improvements.

I’ll walk you through the different equity release options, explain everything in plain English.

Bad Credit Mortgages

A less-than-perfect credit history doesn’t have to stand in the way of securing a mortgage. Bad credit mortgages are designed for individuals with credit challenges, offering opportunities to buy a home or remortgage despite past issues. I’ll help you navigate the options available, find a suitable lender, and secure a mortgage that aligns with your financial situation.

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Bridging Finance

Bridging finance provides short-term funding to help you move quickly when timing is critical. It is often used for auction purchases, properties that require refurbishment, or situations where a traditional mortgage is not yet suitable.

Development Finance

Development finance is designed to support property projects such as new builds, conversions, and major refurbishments. Funding is typically released in stages as the project progresses, based on agreed costs and milestones.

Residential Mortgages

Residential mortgages are used to purchase or refinance your main home, whether you are a first-time buyer, moving home, or reviewing your current deal. Choosing the right mortgage is key to long-term affordability and peace of mind.

Start With a Conversation

Every situation is different. A short conversation is often the easiest way to get clarity on what options are available and whether I’m the right person to help.

I work with property investors, limited company landlords and residential clients who want clear, straightforward advice before making a commitment.

There’s no pressure to proceed. Just an initial discussion to understand your plans and decide the best next step.

Your trusted partner for mortgages and protection, here to help you stay organised, secure, and confident in every financial decision. If you’d like to make your mortgage and protection journey simple and stress-free, just get in touch—I’m here to help.

Legal

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

Mortgages and protection products are subject to eligibility and lender criteria.

Equity release may reduce the value of your estate and affect your entitlement to means-tested benefits.

Buy-to-let mortgages are not usually regulated by the Financial Conduct Authority.

MJS Finance is a trading style of Freedom Financial. Authorised and regulated by the Financial Conduct Authority.

We are authorised and regulated by the Financial Conduct Authority. FCA number: 920865.

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