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First Time Buyers - No Deposit Needed

What is Track Record Mortgage? A mortgage for renters We use your track record of paying rent to work out what you may be able to borrow. Fixed rate for 5 years The interest rate on this mortgage is fixed for 5 years, meaning your rate won't change during this time period. No deposit needed We will accept a deposit of less than 5%, but you don't need a deposit to apply for this mortgage. No completion fee We won't charge you any fees for the completion of this mortgage. Who can apply? You haven't owned a property in the UK in the last 3 years You are aged 21 or over You have no missed payments on debts / credit commitments in the last 6 months You want to borrow up to £600,000 You're not looking to buy a new build flat You're not looking to buy a property in Northern Ireland. Sole applicants: · You've paid all rent for 12 months in a row, within the last 18 mon...

Back to School: A Good Time to Get Your Finances Organised

Back to School: A Good Time to Get Your Finances Organised When the summer holidays end and children head back to school, most families suddenly find themselves with a bit more routine, and a bit more breathing space. It’s often the first moment in months where life feels organised again. That makes September one of the best times of the year to get your wider finances organised too. Many people only look at their financial picture when something big is happening; usually a house purchase, a remortgage, or a change in circumstances. But once the school term starts, you’re already back into “admin mode”, and it’s the perfect moment to check the things that often get left behind. Have you lost track of your old workplace pensions? Most people have several old pensions from previous jobs. They’re easy to forget about, and even easier to put off dealing with. But they can make a real difference to your long‑term plans. Ask yourself: Do yo...

DIY Investing: Are You Really in Control of Your Money?

DIY Investing: Are You Really in Control of Your Money? If you’d like to check whether your DIY portfolio is still working for you, I can introduce you to my financial planning partner, John Kirkwood at Quilter, who can provide full financial planning support when needed. Many people manage their own investments, and for some, it feels empowering. But DIY investing only works when you truly understand what’s happening behind the scenes. Without the right information, a portfolio can quietly drift off course, exposing you to risks you didn’t intend to take. Below are a few simple questions that every DIY investor should be able to answer confidently. If any of them give you pause, it may be worth getting a second opinion. 1. Where is your money actually invested? Most DIY investors can name the platform they use; but not the underlying funds, sectors, or regions. Your long‑term out...

Another Lovely 5* Review from a Lovely Local 💓

Rebecca Drummond 2 reviews • 4 photos star star star star star 44 mins ago ⭐⭐⭐⭐⭐ We can't recommend you highly enough! From start to finish, you made the whole mortgage process so easy and completely stress-free. You were always on hand to answer our questions, kept us updated every step of the way, and went above and beyond to make sure everything ran smoothly. Thank you so much for helping us secure our dream home. Your professionalism, knowledge, and friendly approach made all the difference. We are so grateful and wouldn't hesitate to recommend you to anyone looking for a mortgage adviser! Border Mortgage Services CIB Level 3 CeMAP Northumberland Berwick upon Tweed and Scottish Borders Owner Replying publicly Replying publicly Replying publicly 55/4,000 55 of 4000 characters entered

First Home Fund Scheme Now Open

Scottish Government support for first-time buyers with the new First Homes Fund scheme The Scottish Government’s First Homes Fund shared equity scheme opened for applications on Wednesday 24 June 2026. The first phase of the scheme provides up to £10,000 to help first-time buyers purchase a new-build or existing property costing up to £300,000. In return, the Government takes a percentage stake in the home. Funding of £500 million has been committed for the scheme over the course of this parliament, which is expected to help around 50,000 households into homeownership. Link is the Administering Agent and the scheme is open across the whole of Scotland. More information – including FAQs and guidance documents – and the online application form are available on our website:

Helping You With Pensions

Helping You With – Pensions- On A Referral Basis When you are reviewing your mortgage, it is the perfect time to check everything else too. Most people only sit down to look at their finances when something big is happening - usually a house purchase, a remortgage, or a change in circumstances. I see it all the time: clients are completely on top of their mortgage, but everything else sits in the background for “another day.” If you are speaking to me about your mortgage, it is the ideal moment to check the rest of your financial picture too, especially your pensions. Have you lost track of your old workplace pensions? Many people have several old workplace pensions from previous jobs. They are easy to forget about, and even easier to put off dealing with. But they can make a real difference to your long-term plans. Ask yourself:  Do you know where all your old workplace pensions are?  Do you know how much is in them?  Do you know how they are invested?  Hav...