The ultimate companion to first-time buyers in Scotland. Whether you're just thinking about buying a home or are well on your way to making an offer - this podcast will help guide you through the process.
In this week's episode, Megan is joined by Paul Demarco from ESPC Mortgages to discuss the insurance that first-time buyers should consider.They cover everything from how to best prepare to make an offer to what happens once an offer is accepted. Skip to the part most relevant to you:0:00-0:35 Intro0:35-2:40 Building & Contents insurance2:40-3:45 Do you need life insurance when you buy a property?3:45-4:53 How does life insurance work?4:53-7:36 What is critical illness insurance?7:36...
28 Oct 2024
How to make an offer on a property in Scotland?
In this week's episode, Megan is joined by Hannah Gaddie, a solicitor at Gillespie Macandrew, and they discuss how to make an offer on a property in Scotland. They cover everything from how to best prepare to make an offer to what happens once an offer is accepted. Skip to the part most relevant to you:0:00-0:45 Intro0:45-2:09 How to prepare to make an offer?2:09-2:56 What's the first step to making an offer on a property in Scotland?2:56-4:45 What is a Note of Interest in Scotland?...
14 Oct 2024
Questions to ask at a property viewing
In this week's episode of ESPC's First-timers Club, Megan is joined by Tzana Webster from Ralph Sayer, an ESPC solicitor estate agent member firm, to chat through what first-time buyers can expect from a property viewing including how to prepare, red flags to look out for and what NOT to ask. CHAPTERS:0:00-0:40 Intro0:40-1:04 Meet Tzana1:04-3:40 What to do BEFORE you view any properties3:40-5:41 What should you look out for at a property viewing?5:41-8:02 What are red flags at a property...
7 Oct 2024
How to buy in a fast market? Real life first time buyer story!
In this week's episode of ESPC's First-timers Club, we're sharing a real life first-time buyer story. Sam has recently purchased his first home with his fiancée in Rosyth, and he joins Megan to chat through his experience of buying in a busy Fife market, his advice to other first-time buyers and how to move on after a rejected offer. CHAPTERS:0:00-0:34 Intro0:34-1:24 Meet Sam1:24-2:18 When to decide to buy?2:18-3:10 How many homes did you view?3:10-4:14 How to decide where to buy?4:14-5:...
30 Sept 2024
What is LBTT? Scotland's Stamp Duty debunked
In this week's episode of ESPC's First-timers Club we are talking about LBTT (Land & Buildings Transaction Tax) with Gavin Pearson, a solicitor at Mov8 Real Estate.It's likely you may have heard of Stamp Duty - a tax payable on the purchase of a property, but do you know what LBTT is? LBTT is Scotland's version of Stamp Duty.During this episode Gavin debunks what LBTT is, how it is paid and how to determine how much you LBTT you will pay on a home. You can calculate this using our ESPC LB...
23 Sept 2024
What is a Home Report? Understanding Home Reports in Scotland
In this week's episode of ESPC's First-timers Club we are talking about Home Reports. Megan is joined by Kirsten Nicolson, a Director at DM Hall. In Scotland, it is a legal requirement for sellers to have a Home Report for their property. This allows prospective buyers the chance to find out more about the structural condition of the home and alerts them to any issues that they face if they were to purchase the property. During this episode Kirsten explains what a Home Report includ...
16 Sept 2024
How to appoint a solicitor and why do you need one in Scotland?
In this week's episode of ESPC's First-timers Club we are talking about appointing a solicitor. Megan is joined by Keri VanderburgSole, a Partner at Blair Cadell. In Scotland, it is a legal requirement to use a solicitor when buying a property. A solicitor will make offers on your behalf and can provide advice and support throughout the process. During this episode Keri explains why first-time buyers need to appoint a solicitor as well as how they can do it and her best advice for f...
9 Sept 2024
Saving for a deposit, calculating affordability and applying for a mortgage
Welcome back to the ESPC first-timers club! In this episode we discuss the process of applying for a mortgage including how to work out your budget, how to find out about your credit score and the best ways to save money for a deposit.CHAPTERS:0:00-0:30 Intro0:30-2:10 Working out how much money you can borrow2:10-3:14 Calculating affordability3:14-5:07 How do children and pregnancy affect your mortgage eligibility?5:07-6:21 How to find out what your credit score is6:21-7:57 How much mone...
2 Sept 2024
What is a mortgage?
Welcome to the first episode of ESPC's First-Timers Club - the ultimate companion for first-time buyers in Scotland. In this episode our guest is David Lauder, a mortgage advisor at ESPC Mortgages and we discuss the basics of getting a mortgage including what a mortgage actually is, why you may need one to get a property and what's involved in securing one. CHAPTERS:0:00-1:55 Intro1:55-3:06 What is a mortgage? And why do you need one?3:06-5:53 What is the process to get a mortgage?5...
26 Aug 2024
Welcome to ESPC's First Timers Club!
Are you a first-time buyer in Scotland? Then you've come to the right place!Welcome to ESPC's First Timers Club - the ultimate podcast companion for those looking to get on the property ladder in Scotland. In this series, we will guide you through the process of buying a home and teach you all about the steps involved in buying a home in Scotland. If you would like us to answer a specific question, please get in touch with us on marketing@espc.com Enjoy the episode? We'd love t...
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