How to get a mortgage in Scotland

This section looks at things you should consider when choosing a mortgage, how to apply for a mortgage and how mortgages work in Scotland.

These pages only contain a basic introduction to getting a mortgage. More information can be found at the Which? Mortgage Guide and MoneySavingExpert websites.

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How much can I borrow?

To get a mortgage, first work out how much you can afford to borrow.Find out how lenders decide how much they will lend, what deposit you need and how much your repayments will cost.

Choosing a mortgage

With such a wide range of different mortgages on offer, it can be hard to know where to start. This page has advice on how to find the right mortgage for you.

Getting information and advice about mortgages

If you contact a lender or mortgage broker to find out more about mortgages, the information you are given must conform to certain rules.

Making an application for a mortgage

Once you know how much money you want to borrow and what kind of mortgage you want, it's a good idea to apply for a mortgage early, so you can act quickly when you find a property you like.

Unfair terms in mortgages

If your mortgage contract contains unfair terms or is written in a deliberately confusing way, they may not be legally enforceable. Read examples of unfair terms, and what you can do.

Problems getting a mortgage

It may be difficult to get a mortgage if you are self-employed or had debt problems in the past or there are problems with the property. A specialist lender may still be able to help you.

Repayment options

When choosing a mortgage, you must first decide between a repayment mortgage and an interest only mortgage. Then you can check the interest deals and other options. This page explains your choices.

Interest options

When you take out a mortgage, as well as repaying the money you borrow, you will also have to pay interest. You have different ways of repaying the interest - this page looks at your options.

Joint mortgages

If you're buying with someone else, you'll need a joint mortgage. How much you can borrow depends on both your incomes. You need to think about what would happen if one of you moves out.

Mortgage protection

If you have a mortgage, it is important to think about how your repayments would be met if something happened to you. There are various ways of protecting your mortgage payments.

CAT standards for mortgages

The government introduced CAT standards to encourage mortgage lenders to provide basic and transparent conditions. CAT is short for Charges, Access and Terms.

Getting a mortgage if you're disabled and on benefits

Find out what to consider when applying for a mortgage if you have a disability and how you can get help to pay your mortgage interest and service charges.

Shariah mortgages

Under Shariah law, paying of interest is not permitted. This means that Muslims can't take out repayment or interest only mortgages without breaking these laws. This page looks at Shariah law-compliant options.

What are secured loans and second mortgages?

If you have a mortgage, you may take out a second mortgage or a secured loan. Read the credit agreement so you understand what you're committing yourself to and what will happen if you can't make the payments.

Last updated: 2 August 2017

Housing laws differ between Scotland and England.

This content applies to Scotland only.

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