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—  Buyer advice

Found the home?
Let’s talk about the money bit.

Whether you’re buying your first flat, moving to somewhere bigger, downsizing or adding another property to your portfolio, knowing your budget early makes the search a whole lot easier.

And that’s where good mortgage advice comes in.

Gibson isn’t a mortgage broker, but we can introduce you to experienced independent mortgage advisers who can look at your individual circumstances and explain the options available to you.

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Start with what you can afford

Before falling head over heels for a property, it helps to know what your budget looks like. An independent mortgage adviser can look at your circumstances, deposit and income and help you understand the mortgages that may be available. Then you can start your property search with a much clearer picture.

What’s an Agreement in Principle?

You’ll probably hear this phrase when you start looking for a mortgage.

An Agreement in Principle gives you an indication of how much a lender may potentially be willing to lend you, subject to its checks and a full mortgage application.

Having one can help you understand your buying position before you start making offers.

Mortgages don’t have to be mysterious.

There’s a lot to think about, but you don’t have to work it all out alone.

If you’d like mortgage advice, speak to us and we’ll point you towards an independent professional who can help.

Then you can get back to the enjoyable bit. Finding the home.

Speak to a Mortgage Adviser

Frequently asked questions

As a rough guide, lenders offer around 4 to 4.5 times your income, but it depends on your deposit, outgoings and credit profile. A broker can give you an accurate figure quickly.

Most mainstream lenders require UK residency, but there are specialist options for expats and non-residents. A broker can point you to lenders that fit your situation.

Alongside your deposit, budget for LBTT (Scotland’s equivalent of stamp duty), legal fees, your Home Report if you’re also selling, mortgage and valuation fees, and moving costs.

Yes, we work with trusted independent brokers across Edinburgh and West Lothian and can make an introduction on request.

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Est. 2016

A decade of Scottish sales

Edinburgh · West Lothian

Local across the region

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Tell us about your plans and we’ll connect you with a trusted independent broker for a no-obligation quote tailored to your situation.

—  Ready when you are

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Book a free valuation and we’ll walk you through every step, no chasing, no admin.

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