Scott Mcilwraith - Mortgage and Protection Adviser

17/06/2026

🏡 Final Mortgage Myth of the series!

A lot of buyers in Scotland are surprised to learn that an accepted offer doesn’t mean the property is fully secured straight away.

The deal becomes legally binding after conclusion of missives ✍️✨

15/06/2026

It’s been a great start to the week for Scotland ⚽️🏴󠁧󠁢󠁳󠁣󠁴󠁿, and now we’ve got the Bank Holiday to enjoy too!

If you’re one of the lucky ones off today, enjoy every minute 🙌🏼

11/06/2026

Hi everyone 👋🏼 you might find my working hours a bit different over the next couple of weeks as we welcomed our baby boy Elio into the world on Tuesday night 💙

10/06/2026

👫 Another common mortgage myth is that you can only buy based on one income.

Many lenders can consider joint incomes and other forms of regular income, such as bonuses, overtime and benefit income, when assessing affordability 🏡✨

08/06/2026

Morning everyone 👋

As previously mentioned, the Scottish First Home Fund is expected to launch at the end of this month.

📋 Here's a quick update on what we know so far, with some details still to be confirmed. More information to follow as soon as it's released.

03/06/2026

⏳ Waiting for the “perfect” time or rate to buy can sometimes mean missing the right opportunity altogether.

The best mortgage is the one that fits your needs and circumstances now 🏡✨

01/06/2026

Happy Monday everyone! Can’t believe that’s us in June already! 🤯 Just a reminder this opens at the end of this month if anyone has any enquiries about it just get in touch 😊📲

🏡 The First Home Fund is expected to reopen at the end of June in Scotland — and if previous demand is anything to go by, it won’t be around for long!

The last time it opened, applications were so popular the funding was fully committed in less than a week.

Schemes like this can be a huge help for first-time buyers by boosting affordability and helping you get onto the property ladder sooner.

✅ Helps boost your deposit
✅ Can improve affordability
✅ Available on new build AND existing homes
✅ No monthly repayments made to the Scottish Government
✅ Gives many buyers the chance to buy sooner rather than years down the line

I actually used a similar shared equity scheme myself around 10 years ago to buy my first home, so I know first-hand how much of a difference these opportunities can make.

Ts&Cs apply - https://www.gov.scot/news/first-homes-fund-open-by-end-of-june/

28/05/2026

🏡 The First Home Fund is expected to reopen at the end of June in Scotland — and if previous demand is anything to go by, it won’t be around for long!

The last time it opened, applications were so popular the funding was fully committed in less than a week.

Schemes like this can be a huge help for first-time buyers by boosting affordability and helping you get onto the property ladder sooner.

✅ Helps boost your deposit
✅ Can improve affordability
✅ Available on new build AND existing homes
✅ No monthly repayments made to the Scottish Government
✅ Gives many buyers the chance to buy sooner rather than years down the line

I actually used a similar shared equity scheme myself around 10 years ago to buy my first home, so I know first-hand how much of a difference these opportunities can make.

Ts&Cs apply - https://www.gov.scot/news/first-homes-fund-open-by-end-of-june/

27/05/2026

🏦 Finding the right mortgage isn’t just about going straight to your bank.

Different lenders suit different situations, which is why exploring your options can make such a big difference 🏡✨

The right mortgage is the one that best fits your needs — not just the one you’re first offered 👌

25/05/2026

Happy bank holiday! ☀️

It’s a scorcher today 😎 hope you all have a good one!

My hours are a bit more limited today due to banks being shut but drop me a message if you have any questions 📲