Neil Bird - Senior Mortgage and Protection Adviser

16/07/2026

Calling all first time buyers, Leeds Building Society have just launched their "Start Mortgage" which offers FTBs up to 98% on their first home. 🏠

Please get in touch to find out if this could help you move in to you perfect home.

📧[email protected]
☎️07730 511350

31/05/2026

🏡 Looking for mortgage advice?

Buying a home is an exciting milestone - but it can also feel overwhelming, especially for first-time buyers. That’s why we work alongside CARA Mortgages to help make the process as stress-free as possible.

Their expert team offers our buyers free mortgage advice to helping you find the best deal tailored to your situation - whether you’re buying your first home or taking the next step on the property ladder.

📞 Get in touch with Neil Bird - Senior Mortgage and Protection Adviser today

28/05/2026

Finally...some great news for First Time Buyers in Scotland!! 💷💷💷

A new £10,000 First Home Fund is being launched next month, which will really help boost your deposit. Hopefully we'll have full details about the scheme soon, but please get in touch if you'd like to start looking at your mortgage options ahead of time. 🏡

☎️ 07730 511350
📧 [email protected]

Also, please share this post and tag and First Time Buyers you know that could benefit from this scheme. Thank you.

Applications for the First Homes Fund will open by the end of June, ministers confirm.

10/03/2026

💡 Can I get a mortgage if I have bad credit ❓

Yes! If you speak to the experts.

CARA Mortgages can help clients with :
- recent missed payments
- recent defaults
- previously discharged bankruptcy/trust deed
- debt management plans etc

NB - You may need a higher deposit and expect to pay a higher rate initially, but the older the issue, the more lenders are likely to consider an application.

Contact Neil Bird - Senior Mortgage and Protection Adviser for more advice and access to specialist lenders.

Your home may be repossessed if you do not keep up repayments on your mortgage.

23/02/2026

Benefits for new build buyers 🏡

Barclays is offering 95% Loan-to-Value (LTV) mortgages on new build houses - helping buyers step into a brand new home with just a 5% deposit.

Key things to know:
✔ Available on new build houses up to £600,000
✔ The deposit must come from the buyer’s own funds (such as savings, sale of a property, or a gift from family/partner)
✔ Standard affordability and credit checks apply

With Phase 1 Greenlawhill now released, there has never been a better time to speak to CARA Mortgages and find out what options are available to you.

Your home may be repossessed if you do not keep up repayments on your mortgage.

19/01/2026

💡 Mortgage Deposits

Did you know about a 5% deposit mortgage ?

- Who it suits: Those seeking smaller upfront costs
- Why it matters: Makes buying a home more achievable.

Find out more by speaking to Neil Bird - Senior Mortgage and Protection Adviser of CARA Mortgages or
📍 Visit our Showhome | Malt Loan, Carnoustie
⏰ Saturday & Sunday | 11am–5pm

Your home may be repossessed if you do not keep up repayments on your mortgage.

26/08/2025

Not sure where to start with your mortgage?

As part of your home-buying journey, we recommend speaking to CARA Mortgages — an independent adviser with access to a wide range of lenders.

They can help you:
✔️ Understand what you can borrow
✔️ Find competitive deals
✔️ Navigate the process with clarity and confidence

Whether you're a first-time buyer or looking to move up the ladder, their expert team is here to help.

📞 Call 01592 773 772 or email [email protected] to get started.

Neil Bird - Senior Mortgage and Protection Adviser

31/07/2025

A wee thank you gift from a happy client, hand delivered right to my front door.

Greatly appreciated 😃❤️

09/05/2025

My colleague Neil Renwick - Mortgages and I are back in the industry press again, talking about help for First Time Buyers and what lenders are doing to help get people on to the property market.

The average age of FTBs is rising