Hi, I'm Annah — your Scotland-wide mortgage advisor for first-time buyers.
What is LBTT and how much will I pay?
Scottish stamp duty, bands & first-time buyer relief
What deposit do I need to buy a home?
Minimum 5%, LTV bands and how they affect rates
Which Scottish schemes can help me buy?
LIFT, shared equity and first-time buyer support
How is mortgage affordability calculated?
Income multiples, stress testing and lender criteria
Annah provides guidance only · Not regulated financial advice · Always consult a qualified mortgage advisor