Scott Mcilwraith - Mortgage and Protection Adviser

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 📲

22/05/2026

✨Weekly Highlights ✨

✅ Application complete for a family in the process of buying and selling.

🛡️Insurance protection arranged for a first time buyer.

❤️ Protection policies put in place for a dad experiencing a change in circumstances.

🏡 Mortgage offer secured for a limited company Buy to Let purchase.

📉 New mortgage secured for a client whose mortgage had moved onto a higher Standard Variable Rate, helping reduce monthly costs.

A productive week overall 🙌🏼 Have a great weekend everyone!

20/05/2026

💳 Another popular mortgage misconception I find myself explaining is that your credit score doesn’t need to be perfect to get a mortgage.

There are lenders who specialise in helping people with less-than-perfect credit 🏡

Simple habits like paying bills on time and avoiding too many buy now, pay later commitments can really help over time 👌

12/05/2026

🏡 Have you got £5k saved and dreaming of buying your first home? You may be in luck! 👀

Halifax have launched a new low deposit mortgage scheme aimed at helping First Time Buyers get onto the property ladder with just a £5,000 personal deposit 💙

This is a fantastic opportunity, get in touch to find out more 📲

12/05/2026

🏡 One of the biggest mortgage myths I come across is that you need a huge deposit to buy a home in Scotland.

In reality, there can be more options available than people realise - and every situation is different.

Using a mortgage advisor can help you understand what’s possible, explore the right lenders, and access options you may not have known existed 👌