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Mortgage Advice for Homebuyers: Your Questions Answered by a Financial Advisor

4th Aug, 2026

We spoke with Cameron McLean from Mortgage Advice Bureau to answer your most frequently asked questions, giving you reassuring before reserving your new home.

What's buyer's biggest concern when buying a home?

"Uncertainty is the biggest thing for buyers at the moment because they're not sure what the process is, what they're affordability is like."

What costs can you expect when buying a home?

"Your one off costs are going solicitors bills, Land Building Transactions Tax (LBTT).

Then you'll have all of your decorating costs and making the house a home."

What schemes are in place for first-time-buyers?

"1. The First Homes Fund has just launched in Scotland which means the government will offer you £10,000 towards your deposit.

2. The Lifetime Isa meaning you get a 25% bonus on the money that's in that account.

3. Low-Cost-Initiative Scheme (LIFTS) is a shared equity scheme."

What's the benefit of visiting an independent financial advisor?

"Time saving is the biggest benefit. We're looking at over 90 different lenders throughout the market to find you the best deal."

What does it cost potential buyers to visit Mortgage Advice Bureau?

"We do not charge to for our services because we are here to support the new-build market."

Showhome Park View, Kintore

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