How much deposit do I need to buy my first home in Scotland?

The minimum deposit for most first-time buyer mortgages in Scotland is 5% of the purchase price. For example, on a £200,000 home that's a £10,000 deposit. A larger deposit typically gives you access to better interest rates and lower monthly payments.

How much can a first-time buyer borrow?

Most lenders will offer between 4 and 4.5 times your annual income. Some specialist lenders will consider more depending on your circumstances. We'll carry out a full affordability assessment at your first meeting so you know your exact budget before you start viewing.

What government schemes are available for first-time buyers in Scotland?

The Scottish Government has periodically offered schemes such as the First Home Fund and equity-loan options. Some new-build developers and housing associations in and around Glasgow also offer shared equity arrangements. Schemes change regularly — speak to us for the most up-to-date options.

How long does it take to get a mortgage as a first-time buyer?

From full application to mortgage offer typically takes 2 to 4 weeks. The whole process — from first consultation to getting your keys — usually takes 2 to 3 months, though this depends on how quickly you find a property and the speed of the legal work.

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Clear, friendly first-time buyer mortgage advice for East Kilbride, Glasgow and across Scotland.

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.

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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.

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Your first home, without the stress.

Everything a first-time buyer needs in one place

Remortgaging

Moving home

Other mortgages

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