Neil Bird - Senior Mortgage and Protection Adviser

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

27/03/2025

Ever wondered about the differences between buying in Scotland v England? I, and a number of other Scottish based mortgage professionals, discussed the issue with Mortgage Introducer.

Broker who lost his property at the last stage urges a Scottish-style revamp

14/03/2025

Is the fact that you are tied in to your current mortgage deal putting you off moving home? 🏠

It may be possible to port your current mortgage deal over to your new home in order to avoid any penalties, and our friends over at the TSPC asked us to help them put together a blog post talking about what's involved. 🤔

Please take a look and feel free to get in touch if you have any queries.

📱07730 511350
📧 [email protected]

Can you take your mortgage with you when you move home? Find out more about the process of porting your mortgage.

03/09/2024

At our New-Build Home Event with TSPC we discussed some of the benefits of a new build home.

Thanks to Angela Wallace & the team at TSPC for hosting this event.

Pop along to our Open Day at our Showhouse this weekend to find out more.

📍 Victoria Street, Carnoustie
⏰ 11am to 5pm

03/09/2024

At our New-Build Home Event with TSPC, Neil Bird - Senior Mortgage and Protection Adviser from CARA Mortgages gave an overview of the current mortgage market.

Thanks to Neil for joining us and providing his expertise at this event.

If you're considering a new build home and would like some independent, free mortgage advice, speak to our Sales Adviser or contact Neil Bird on [email protected]

Our Showhouse at Malt Loan is also open at weekends for you to find out more.

📍 Victoria Street, Carnoustie
⏰ 11am to 5pm

29/08/2024

29/08/2024

It’s nearly presentation time. 🏡💷