Scottish Mortgage Podcast
The Scottish Mortgage Podcast is designed to help Scottish people understand the nuances of mortgages. The show aims to offer hints and tips, but crucially, it's also packed full of key information and knowledge, which can help you make smarter decisions when choosing a mortgage.
Episodes
129 episodes
Remortgaging in Scotland: Key Benefits and Risks
Considering remortgaging in Scotland? Dive into this comprehensive guide as we break down the top benefits, potential risks, and expert advice for homeowners in the UK. Whether you're looking to secure a better deal, access home equity,...
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10:09
Understanding Remortgaging: Key Reasons people remortgage
Welcome back to our series on mortgages and remortgaging. In today's video, we dive deeper into the reasons people choose to remortgage, from securing a new interest rate to consolidating debt. Discover how the standard variable rate affects yo...
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8:16
Understanding Remortgage: A Comprehensive Guide to Debt Consolidation & More
Dive deep into the world of remortgaging with our detailed guide. Whether you're considering consolidating debts, navigating interest rates, or exploring alternative mortgage deals, this video has you covered. Join us to ensure you make informe...
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7:09
Mastering Debt Consolidation Mortgages
Discover the ins and outs of debt consolidation mortgages in our comprehensive guide. Uncover how consolidating your debts into a mortgage can lead to reduced monthly payments and a simplified financial life. Our detailed walkthrough covers eva...
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4:13
The Mortgage Misstep: Planning Ahead in Scotland
In this episode, we delve into a common pitfall many face in Scotland when looking to remortgage for home improvements. Learn from real-life scenarios about the importance of consulting your bank or mortgage broker early in the process. We disc...
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2:50
Should You Buy a New Build Home in the UK? Pros, Cons & Essential Tips!
🏡 Are you considering buying a new build home in the UK? In this episode, we delve into the advantages such as no chain, a 10-year guarantee for major structural damage, and eco-friendly regulations. We also guide you through the proces...
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7:06
Understanding Insurance Policies: Don't Over Look Income Protection
In today's brief episode, I delve into the world of insurances, highlighting that income protection should not be forgotton about Learn about the key points and limitations of these insurance policies and understand the scenarios in which they ...
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5:25
Understanding Mortgage in Principle: Benefits, Limitations, and Essential Tips!
🏡 Welcome back to our channel! In today's video, we delve deep into the world of mortgages, focusing on the Mortgage in Principle. 🏡📍 In This Episode:Understand the concept of Mortgage and Principal.Discover t...
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3:59
Navigating Mortgages for Probationary Teachers: Finding Financial Solutions
In today's discussion, we're diving into a topic that's of utmost importance for many aspiring homeowners in the teaching profession. If you're a probationary teacher, you know the challenges that come with securing a mortgage due ...
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2:54
How to Buy A House For The First Time
Navigating the mortgage application can be overwhelming, especially if you're a first-time homebuyer. In this video, we break down the process into 5 key steps to make it straightforward for you:Understand monthly costs.Det...
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5:03
Demystifying Mortgages: Top 5 Questions Answered for First-Time Buyers in Scotland
In this episode, delve into the most frequently asked questions by first-time homebuyers in Scotland. Our host, a seasoned mortgage broker, breaks down the intricacies of determining borrowing capacity, the different types of mortgages availabl...
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5:13
First-Time Home Buying: Understanding Affordability, Mortgages & Debt-to-Income Ratio
Today, we dive deep into the crucial aspects of buying your first home. From understanding your affordability to navigating the intricacies of mortgages, we've got you covered.🔹 Affordability is KEY when buying a home. But how do lenders...
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4:00
Green Mortgages: How Some Banks Support Energy-Efficient Homes
Green Mortgages and their transformative impact on the lending landscape. We delve into how financial institutions are championing homeowners' shift towards energy mindfulness. Pondering over solar panels, a 📍brand-new boiler, or other eco-frie...
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3:11
Navigating Mortgage Porting When Relocating: Key Insights for Homeowners
Thinking of relocating but bound by a fixed-rate mortgage? Dive into this video to uncover the choices at your disposal, with a special focus on 'mortgage porting'. This process lets you transfer your current mortgage to your new residence, pot...
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2:21
Key Considerations for Buying a New Build Home in Scotland
Thinking about buying a new build home in Scotland? Dive deep into the crucial aspects every prospective homeowner should know! From understanding entry dates to navigating deposit requirements and leveraging builder incentives, this video prov...
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6:10
The Best Time to Sell Your Home in the UK in 2023
Are you thinking of selling your home in the UK in 2023?But when is the best time to sell your home in the UK? In this episode, we'll discuss the factors that affect the best time to sell, as well as the specific months of the year when ...
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3:19
Mastering Homebuying: Your Comprehensive Guide to Purchasing Your First Home!
"Feeling overwhelmed by the thought of buying your first home? You're not alone! Dive into this video where I unveil a comprehensive guide tailored for first-time homebuyers. From demystifying mortgages to understanding the intricacies of credi...
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1:22
Your Mortgage: Monthly vs Yearly Overpayments Explained!
Looking to save money on your mortgage? In this video, we break down the benefits and considerations of overpaying your mortgage either monthly or annually. Whether you're aiming to reduce your debt quickly or seeking a flexible option that fit...
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2:22
First Time Buyer's: Mastering Mortgages in Scotland
👋 Hey there, future homeowners! Welcome to our comprehensive guide to mastering mortgages in Scotland. Whether you're a first-time buyer or just looking to understand the nuances of the Scottish real estate market, you're in the right place. 🎯<...
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13:41
Are you a first-time homebuyer in the Scotland?
In this informative podcast, we'll cover everything you need to know, from understanding different mortgage types to overcoming application challenges. 💡💳 Plus, we'll share practical tips to boost your credit score and prepare for additional co...
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8:52
Ready to Buy Your First Home? Here's How to Save a 5% Deposit!
💡 Tips for Saving Up a 5% Deposit:Understand the lender's perspective on 5% deposits and higher risk.Explore the benefits of the Lifetime ISA for tax-free savings and a 25% bonus.Maintain a clean credit score to im...
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7:23
Demystifying Scottish Mortgages: A Lifeline for First-Time Homebuyers
Embarking on the journey to homeownership in Scotland? Tune in as we delve into the exciting world of mortgages, market trends, and magical property finds. Whether you're interested in city living or yearn for the charm of rural Scotland, we've...
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3:33
A Guide to Typical Mortgage Rates
Are you looking to buy a home? If so, you need to understand the different types of mortgage rates available. In this video, I'll explain the basics of fixed, tracker, and variable rates, and help you choose the right one for your needs....
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6:03
Moving Home in Scotland: 5 Essential Steps for Real Estate and Financial Success
Are you planning to move home in Scotland? Make your transition a breeze with our comprehensive guide! In this video, we'll walk you through the top 5 essential steps to ensure real estate and financial success when moving homes in Scotland. Fr...
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4:48
Understanding Insurance for Mortgages: A Guide to Its Importance and Types
In today's uncertain world, insurance plays a crucial role in protecting ourselves and our loved ones from unexpected events and financial loss. Whether you're considering a mortgage or planning for the future, having a clear understanding of i...
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9:16