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Using our handy online mortgage finder, we can search over 12,000 mortgage products.
If you don't know where to begin with your mortgage search, then here is a great place to start.
Moving is an exciting time, and we're here to make sure you find the right mortgage.
We believe that everyone should be able to own their own home, should you want to. And it's our job to help make it happen.
When investing in a buy-to-let property, you need to know that your mortgage meets your criteria.
Our promise to your is to make sure you never pay more than you need to. We understand how important it is to get the right deal.
At Your Expert Group, we'll help you decide if you think you need protection for your home and mortgage.
Using our mortgage calculators, we can help you understand key things like how much you can borrow.
By using our mortgage calculators, we can help you understand key things like how much you can borrow.
Use our Stamp Duty data to work out if you’ll have to pay stamp duty and if so, how much.
Use our mortgage borrowing calculator and discover how much money you could borrow.
Land and Buildings Transaction Tax (LBTT) is Scotland’s version of UK’s Stamp Duty Tax.
Scotland
Just like everyone has their own style when it comes to fashion, it’s the same when it comes to houses. Some people prefer period houses that have character and unique features, whereas others might prefer a new build property with a clean, modern look and feel that you can make your own.
For those of you who might be caught in the middle somewhere, weighing up the pros and cons of both, here are some advantages you can be sure to receive if you decide to buy a new build.
There are various Help to Buy schemes available to you, including:
One of the most stressful parts of moving house is being caught in a chain and everything is out of your control. With new builds, you aren’t at the mercy of other buyers and the house is ready to move into straight away as you aren’t waiting for previous owners to move out. This ultimately reduces the amount of uncertainty often associated with moving house.
The only hold up you might have will be with the builder. Effectively, you can move as quickly as the builder can build the house.
The property will be untouched by any previous owners, leaving you with a blank canvas to work with and style up as your own.
When you buy a new build house, you’re protected by a home warranty. This means you can relax knowing that should anything untoward happen, you’re covered for up to 10 years.
The day to day running of a household can be quite expensive once you’ve broken it down by electricity, water rates, heating etc. All new builds are built to the latest building standards, which includes:
New builds are now roughly 50% cheaper to run than much older houses, this could equate to an annual saving of £1,410 for a 4-bed detached house through to a £440 saving for a 1-bed ground floor flat.
New build houses are built to an excellent quality, from the new fixtures and fittings to lightweight trusses in the roof, double glazed windows and insulated walls.
The builders also work closely with local planners and the Environmental Agency to ensure they are creating a development that isn’t at risk of flooding.
To speak to an adviser that specialises in new build, please don’t hesitate to get in touch with us today and we’ll be happy help answer any questions you have.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
©2023 Your Expert Mortgage. All rights reserved.
TMR Financial Solutions is a trading name of Your Expert Mortgage and Protection Ltd which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.
Your Expert Mortgage and Protection. Registered Office: 89 West Regent Street, Glasgow, Scotland, G2 2BA. Registered in Scotland number: SC674157.
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