Joni Hill Mortgage Managers Ltd

08/06/2026

Returning from annual leave I am pleased to report that the Scottish Government's First Homes Fund is expected to be made available from the end of this month. We don't have full details just yet about specific criteria or conditions or which lenders will support this initiative. Ultimately the scheme offers first-time buyers an equity contribution of up to £10,000 towards a property valued up to £300,000. As with all scheme's there are pros and cons and may not suit everyone. Our Mortgage team are here to help you understand what options you have when buying your first property.

50,000 first-time buyers supported in this parliament.

22/05/2026

A new product on the market to help first time buyer struggling to get a sufficient deposit together. Drop a DM if you want more info…

🚨 Calling all first time buyers! 🚨 You can now buy your first property with as little as £5000 deposit!

We all know how hard it is to save for your house deposit and this newly introduced product with one of the big lenders can help first time buyers get on the property ladder 🪜.

If you’re buying with someone else, only one of you needs to be a first time buyer to be eligible and there’s no minimum income level.

This product can be withdrawn at any point and it is subject to the lender’s approval and affordability and credit checks.

Want to check it out? Get in touch 👇

16/04/2026

If you're trying to decide between a 2,3 or 5 year fixed deal right now, you'll see there's really not much between the rates. It comes down to a personal decision about flexibility or stability and what best fits with your circumstances. We are currently experiencing a very volatile fixed rate market with increasing mortgage rates.

A 2-year fixed rate gives you more flexibility. You're keeping your options open. If rates do come down, you're in a position to benefit sooner, but it also means you'll be revisiting this conversation again quickly and the uncertainty that comes with that.

A 5-year fixed rate gives you stability. You will know exactly what your payments will be with no surprises and no watching and worrying about market conditions but you are committing to that rate for the long term, regardless of what happens to future rates. Exit penalties are often high making it hard to justify exiting the rate early.

A 3-year fixed rate is middle ground. But not all lenders offer them.

Are you someone who is comfortable taking a bit of a risk in the hope that things might improve or do you prefer to lock in regardless and not have to think about things for a while?

24/12/2025

Thank you to all of my customers, past and present, that continue to reconnect for all mortgage needs. Thank you for all of the friend and family recommendations, tags and social media shares. You have kept me busy throughout 2025 and I hope you can do so in 2026 also. As always, I'm contactable throughout the festive period for any mortgage questions or concerns. Have fun with your loved ones this Christmas 🏡

02/09/2025

LIFT Shared Equity (Scotland) now open to first time buyers again, effective today. If you are, or know, a first time buyer with a low to moderate income who may not otherwise be able to afford to buy their own property then let them know. Property restrictions are in place but feel free to get in touch to find out more. All details can be found on their website. https://linkhousing.org.uk/lift/

15/07/2025

Tuesday's Panorama special, catch up on iplayer. Does your 'estate agent' insist on you using their solicitor or their mortgage broker? Likely because they will ultimately benefit financially. It's not right and it's not fair. Know your options. Know who to trust. If it doesn't feel right then it probably isn't.

An interesting watch on BBC’s Panorama - Undercover Estate Agent tonight.

Being involved in an industry which is very closely connected, I find conditional selling absolutely shocking, but not totally surprising.

The buying and selling of property is complicated and it is stressful but please be wary 🏡 It’s all about trust.

15/05/2025

Are you a council house renter or on the social homes waiting list? Have you got a minimum cash deposit of £4,750? Are you a low income family but don't think you can afford your own home? With a 40% equity share from the Scottish Government then you could own this large 3 bed flat with a mortgage for less than £310 per month. 20% Equity share for £415 per month (based on today's mortgage rates and a 25 year mortgage term). Want to know more? Then get in touch with us and see how.
https://linkhousing.org.uk/lift/

🌟SPACE, CHARACTER & VALUE – ALL IN ONE FLAT!

Step inside this charming first-floor apartment on Southesk Street and you’ll be surprised at just how much space you get for £90,000.
With 3 double bedrooms, a bright dual-aspect lounge, and a kitchen that fits the whole family, this home ticks every box.

We’re especially loving:
🪟 Original window shutters
🛁 Bathroom with both bath + shower
🌿 A sunny shared garden + 2 private outbuildings
🚗 Plenty of on-street parking

Whether you’re upsizing, buying your first home, or looking to invest – this one is well worth a viewing.

📩 Book your viewing now! - https://www.yopa.co.uk/properties/details/366496

Get in Contact:
🏡 Megan McMillan - North Angus & South Aberdeenshire
📧 [email protected]
📞07837 996773

28/04/2025

Apologies for lack of posts. It's been a busy year so far, quite possibly a record April for me. Mortgage rates continue to remain fairly stagnant with small increases here and small decreases there. The gap between 2 year fixed rates and 5 year fixed rates is closing and lenders criteria & affordability continues to improve. The LIFT shared equity scheme has relaunched this month but first time buyers have been excluded from eligibility. However if you are currently a social home renter then you may still be eligible. Drop me a message to find out more.

10/12/2024

I've been a bit quiet on social media. I've had the busiest November yet. Rates have been a bit up and down but seem to have settled again. Take a look at today's mortgage rates below.

07/10/2024

If you or anyone you know missed out on this years LIFT scheme there is a very small window of opportunity to sign up to their interest list. Although fully subscribed, there will be buyers unable to secure a property in time. There may be a small number of funds made available over the coming weeks. If you, or someone you know wants to sign up to the interest list. Let them know. https://linkhousing.org.uk/LIFT