First Time Buyer

Thinking of buying your first home?

We've have been helping first time buyers for over 30 years.

Buying your first home - Leave it to us

We know that as a first time buyer buying your first property is one of life’s biggest commitments, one that may seem a little daunting without expert help.
We are there for you all the way, committed to making the process of buying your first home a simple and stress free adventure/journey, allowing you to concentrate on finding your dream new home.

There are a number of Government and housebuilder backed schemes available to help first time buyers step onto the property ladder. These include Help to Buy, First Homes, Mortgage Guarantee schemes alongside Shared Ownership options.

Our dedicated/specialist team are proud of the 5 star service and support they give to first time buyers leading you through the maze of options, our Advisers will boost your chances of a successful mortgage application. With our experience, expertise and access to thousands of mortgage products and a wide range of specialist/dedicated lenders, you can trust us to find the best value mortgage deal available for your circumstances.

Our dedicated team are here to support you 7 days a week.

We are are for you throughout the purchase of your new build property, making the process a whole lot easier, from mortgage application to legal completion.
We aim to ensure you secure your dream home in the quickest possible timescales.

How much can I afford to borrow? What deposit will I need?

This will depend on your income, expenditure and circumstances.
Why not try our simple and quick Mortgage & Deposit calculator. (Mortgage Calculator Link) or call our specialist team today 01786 451234

Do you have a small deposit or low credit score?

If you’ve got a small deposit or low credit score or no credit score you may still be able to take out a mortgage. Help is only a phone call away. Speak to our friendly team today 01786 451234

DO YOU WANT A SECTION LIKE THIS - YES - AMENDED BELOW

How do I apply for a First Time Buyer mortgage?

Applying for a mortgage through New Homes Mortgage Scotland could not be easier. You (and another applicant(s) if you are buying together), will need to have available a number of documents incluing photo ID, income proof and address verification. Don’t worry if you don’t have everything ready for your first appointment – our Mortgage Advisor will advise you which documents we will need, depending on the lender. Once they have recommended a mortgage based on your circumstances, our advisor will submit on your behalf a full mortgage application to the lender. They will also send certified copies (to prove they have seen the originals) of your documents along with the property details and your chosen conveyancer.

95% Mortgage Guarantee

Do you have a small deposit or low credit score?
A new government-backed mortgage scheme has now been launched to help home buyers with a 5% deposit to get on the housing ladder.

Shared Ownership

Shared Ownership offers you the chance to buy a share of your home and pay rent on the remaining share.

First Homes

A fantastic new government scheme that provides discounted homes to first-time buyers in England who otherwise might not be able to afford one.

First Homes

The Scottish Government will provide a maximum equity loan of £25,000

Shared Ownership

Can’t quite afford a 100% Mortgage on your own?

95% Mortgage Guarantee Scheme

Launched to help home buyers with a 5% deposit to get on the housing ladder.

Help to Buy

Helping your with up to 15% of the purchase price of a new home.