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.

The initial consultation with an ESPC Mortgages adviser is free and without obligation. Thereafter, ESPC Mortgages charges for mortgage advice are usually £395 (£345 for first-time buyers). YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOANS SECURED AGAINST IT.
The information contained within this website is subject to the UK regulatory regime and therefore restricted to consumers based in the UK.
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk.
ESPC (UK) Ltd is an Appointed Representative of Lyncombe Consultants Ltd which is authorised and regulated by the Financial Conduct Authority.

Got a question for us? Send us a text message!

Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!

To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.

You can read our most recent house reports here: http://bit.ly/3CQlEQw

Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T

ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.

While Paul & Megan take a break for the summer months, we'll be dropping episodes from our "First-timers Club" mini series. It's the ultimate companion for first-time buyers in Scotland. 

If you would like to watch the episode in video form, you can watch it on our YouTube channel here. 

In this first episode Megan chats to ESPC Mortgages advisor, David Lauder, about 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. 

Got a question for us? Send us a text message!

Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!

To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.

You can read our most recent house reports here: http://bit.ly/3CQlEQw

Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T

ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.

On this week's episode, Paul & Megan are joined by Niall Hedderman of  @RealLifeArchitecture to discuss renovating and reimagining the unique properties of Edinburgh. 

This is the final episode of the podcast for this season! Before we return in September with more episodes, we're going to share our mini-series the "First-timers Club" which is our guide to buying a property in Scotland for first-time buyers. We'll be dropping each of the 9 episodes every week, so keep you're eyes (and ears!) peeled for that. 

Got a question for us? Send us a text message!

Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!

To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.

You can read our most recent house reports here: http://bit.ly/3CQlEQw

Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T

ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.

In this week's episode, Paul & Megan discuss the latest ESPC House Price Report which covers the property market activity from March to May 2025.

You can read the full report here.

Got a question for us? Send us a text message!

Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!

To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.

You can read our most recent house reports here: http://bit.ly/3CQlEQw

Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T

ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.

With just under a year to go until the Scottish Election, Paul & Megan are joined by political analyst, Andy Maciver to discuss what the next 12 months may hold in store for the political landscape. 

Got a question for us? Send us a text message!

Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!

To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.

You can read our most recent house reports here: http://bit.ly/3CQlEQw

Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T

ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.

In today's episode, Paul & Megan are joined by solicitor Jill Andrews to discuss the challenges and trends for foreign nationals looking to buy property in Scotland in 2025. 

Here's our jargon-busting guides to buying a property in Scotland:

What is a Closing Date? 

What is a Home Report?

How to read a Home Report?

Appointing a solicitor in Scotland

What is LBTT? 

How to make an offer on a property in Scotland? 

Got a question for us? Send us a text message!

Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!

To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.

You can read our most recent house reports here: http://bit.ly/3CQlEQw

Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T

ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.

This week's episode is a special one - Paul & Megan are joined by four ESPC solicitor estate agent member firms to discuss the current property market. From the properties that are in high demand to the best places for first-time buyer as well as the current climate for landlords and the issue with conveyancing - they leave no stone unturned. 

If you enjoyed this episode, please leave us a comment below and remember to subscribe to our channel.  

Skip to the part that's relevant to you:

0:00-1:08 Introductions
1:08-3:47 Have there been any surprises in the recent property market?
3:47-5:28 One word to describe the property market right now
5:28-8:20 What properties are in high demand?
8:20-11:20 Sales volumes are high, but closing dates are getting rarer
11:20-15:18 Managing sellers expectations 
15:18-15:30 Are properties selling for over Home Report valuation?
15:30-17:30 Hotspots for properties right now
17:30-22:03 Biggest concerns for first-time buyers
22:03-23:08 First-time buyer friendly areas in Edinburgh
23:08-25:44 Are we seeing landlords return to the market?
25:44-29:09 Best places to invest £250k in a property
29:09-33:10 One change that's needed in the property market
33:10-36:21 Predictions for the rest of 2025's property market

Got a question for us? Send us a text message!

Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!

To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.

You can read our most recent house reports here: http://bit.ly/3CQlEQw

Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T

ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.

In this episode of the ESPC Property Show, Paul and Megan are joined by returning guest Nicky Lloyd, Head of Lettings at ESPC Lettings. They cover some new ground in this discussion including advice for new landlords, why more and more homeowners are opting to rent their properties instead of sell and how much rent should be priced at.

Got a question for us? Send us a text message!

Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!

To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.

You can read our most recent house reports here: http://bit.ly/3CQlEQw

Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T

ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.

On this week's episode of the podcast, Paul & Megan are chatting through the latest updated from the local property market including the rapid speed that Dunfermline homes are selling at, as well as the outlook for house prices across the rest of the year, and a deep dive into the proposed Seafield regeneration plan.

Resources mentioned:
ESPC House Price Report
Seafield regeneration plan
"Call for Edinburgh's south suburban rail line to reopen to passengers after 60 years"

Got a question for us? Send us a text message!

Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!

To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.

You can read our most recent house reports here: http://bit.ly/3CQlEQw

Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T

ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.

Is a 5% deposit still enough for first-time buyers to get on the ladder? How much do you need to earn to qualify for a million pound mortgage? Will the Bank of England base rate reduction affect your mortgage as a homeowner? 

All of these questions (and more!) are answered in this episode of the ESPC Property Show! 

In this episode, Paul & Megan are joined by returning guests - David Lauder & Paul Demarco, two of ESPC Mortgages Mortgage Advisors where they discuss high net worth property owners, advice for first-time buyers and the current mortgage market. 

You can watch all of our previous mortgage episodes below: 
Are interest rates dropping? - https://youtu.be/hrL1PxwNl5w
Don't be afraid of mortgages - https://youtu.be/SyES9nMr1Mo
Unlocking the secrets of the 2023 mortgage market - https://youtu.be/XSdOy3LJ-zI

Got a question for us? Send us a text message!

Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!

To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.

You can read our most recent house reports here: http://bit.ly/3CQlEQw

Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T

ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.