I help first-time buyers in Scotland get mortgage-ready and onto the property ladder, so they can stop renting and own their own home.
Answer 12 quick questions — no documents, no credit check, takes 2 minutes — and get your indicative readiness score.
This is an indicative guide, not a mortgage decision or financial advice. It won't affect your credit score.
Whether you are ready to apply today or just starting to figure out where to begin — I have got you covered.
I search the whole market to find the right mortgage for your situation — including if you have a small deposit, some debt, or a tricky credit history.
Book a call →Not ready yet? I will build you a clear plan — what to pay off, how to improve your credit, how much to save, and a realistic timeline.
Get a plan →Life insurance, income protection, critical illness — the stuff people skip until it is too late. I will find you the right cover at the right price.
Find out more →Use this calculator to get a rough idea of what you might be able to borrow. It is a starting point — not an offer or a guarantee.
Every lender looks at things differently — your income, outgoings, credit history, and deposit all play a part. That is exactly why speaking to a broker matters.
No pressure, no jargon. A 20-minute call to talk through your situation honestly — and work out what the right next step looks like for you.
Short, practical emails on deposits, credit, the Scottish buying process and the mistakes that cost first-time buyers money. Written by me, not a marketing team.
Free. No spam. Just useful stuff.
Your credit score is just a number. What really matters is the history behind it — missed payments, active accounts, credit usage, and how that looks across the three main agencies.
Check My File shows your credit history from all three UK agencies — Experian, Equifax and TransUnion — in one easy report.
Sign up for a free 7-day trial to see your report, then cancel anytime if you do not need ongoing monitoring.
Spot issues before a lender does, understand what to fix, and walk into a mortgage conversation with confidence.
Affiliate link. This is not a personal recommendation. Always check the terms on the Check My File website before signing up.
I am a 34-year old married father of two based in central Scotland. I believe that everyone should have the opportunity to own their own home and not be stuck renting forever.
I work with clients right across the Central Belt — Stirling, Falkirk, Alloa and Clackmannanshire, through to Dunfermline and Fife, Glasgow and Edinburgh.
The reason I decided to become a mortgage adviser is simple: I am genuinely passionate about helping people improve their financial situation and get on the property ladder.