Your first home, without the stress.
Clear, friendly mortgage advice to guide you all the way from deposit to front-door keys.
Everything a first-time buyer needs in one place
We'll tell you exactly how much you can borrow, what deposit you really need, and which Scottish schemes can help. Then we'll find the best mortgage deal for your situation and handle the paperwork.
You'll get an experienced advisor by your side from first chat to front-door keys — answering questions in plain English, whenever you need us.
How much can you borrow?
Most lenders will let you borrow between 4 and 4.5 times your annual income, though some lenders go higher depending on your circumstances. We search the whole market — not just the high street — to find the lender who'll offer you the best deal for your situation.
We'll tell you exactly how much you can borrow before you start house hunting, so you can make offers with confidence. Getting a mortgage agreement in principle (AIP) from us is free and doesn't affect your credit score.
How much deposit do you need?
The minimum deposit for most first-time buyers in Scotland is 5% of the property price. A larger deposit (10% or more) typically unlocks better interest rates, but we'll find the best available deal whatever your deposit size.
If you're using a Lifetime ISA or Help to Buy: ISA, we'll make sure your mortgage works alongside your savings bonus — many buyers don't realise this needs careful timing.
Scottish government schemes for first-time buyers
There are several schemes available to first-time buyers in Scotland that can make a real difference:
First Home Fund / LIFT scheme — a shared equity scheme that can contribute up to £25,000 toward your purchase price
Land and Buildings Transaction Tax (LBTT) relief — first-time buyers in Scotland pay no LBTT on properties up to £175,000
Lifetime ISA (LISA) — save up to £4,000 per year and receive a 25% government top-up toward your deposit
We'll check which schemes you're eligible for and factor them into your mortgage plan.
Why choose Your Next Step?
Whole-of-market access — we compare hundreds of mortgage products, not just a handful
No initial fee — we only charge a broker fee when your full mortgage offer is issued
Local expertise — we know the East Kilbride and Glasgow property market inside out
Over 1,000 mortgages arranged — you're in experienced hands
300+ five-star reviews on Trustpilot and Google
First Time Buyer — Frequently Asked Questions
Do I need a perfect credit score to get a mortgage?
1
No. Many lenders work with buyers who have less-than-perfect credit histories. We'll assess your situation honestly and find the lenders most likely to say yes.
How long does it take to get a mortgage?
2
From initial consultation to mortgage offer typically takes 4–8 weeks, depending on the lender and how quickly your solicitor progresses the sale. We keep things moving at every stage.
Can I get a mortgage if I'm on a fixed-term contract?
3
Yes, in many cases. Lenders assess contract workers differently — we know which lenders are most flexible and will find the right fit for your employment type.
Is there a fee for using Your Next Step?
4
There's no charge for your initial consultation or for getting an Agreement in Principle. A broker fee may apply when your full mortgage offer is issued, and we'll always discuss this with you upfront.
Our other services
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Remortgaging
Your current deal ending? We'll find you a better rate and potentially save you hundreds each month.
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Moving home
Upsizing, downsizing, or relocating? We handle the mortgage so you can focus on the move.
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Other mortgages
Contractor, buy-to-let, adverse credit, or separating? We specialise in mortgages that don't fit the high-street mould.
Ready to take your next step?
Whether you're just starting to think about buying or you're ready to move, we'd love to help. Get in touch for a free, no-obligation initial chat with one of our advisors.