Julie Mitchell- Smart Mortgages

25/08/2026

14/08/2026

Perfect home in a great area 🏡

13/08/2026

🏡 LIFT SCHEME SCOTLAND – OPEN MARKET SHARED EQUITY (OMSE) 🏡

Thinking you can’t afford to buy your own home? The LIFT Open Market Shared Equity (OMSE) scheme could potentially help.

The scheme is designed to help eligible buyers purchase a property on the open market when they otherwise may not be able to afford to do so.

📍 Did you know there are maximum property price thresholds?

The maximum price you can pay depends on the area you’re buying in AND the apartment size of the property.

⚠️ And “apartment size” does NOT simply mean the number of bedrooms!

For the LIFT OMSE scheme, an apartment means a habitable room.

For example:

🏠 2 bedrooms + living room = 3 apartments
🏠 3 bedrooms + living room = 4 apartments
🏠 3 bedrooms + living room + dining room = 5 apartments

Rooms such as the kitchen and bathroom aren’t counted as apartments.

I’ve attached the current threshold table below so you can see just how much the maximum purchase price can vary depending on the area and property size. 👇

If you’re considering buying through LIFT OMSE and want to know what your mortgage options could look like, feel free to get in touch. 🏡🔑

Eligibility, affordability and scheme criteria apply.

06/08/2026

05/08/2026

Did you know I deal with complex mortgage cases? 🏡

Not every mortgage application is straightforward—but that doesn't mean homeownership is out of reach.

I regularly help clients who have:
✔️ Been declined by another lender
✔️ Are self-employed or have multiple income sources
✔️ Have adverse credit or a less-than-perfect credit history
✔️ Are looking to consolidate debt
✔️ Need a specialist lending solution
✔️ Have unusual income or employment circumstances

Some recent examples include helping:
🌍 Foreign nationals on Skilled Worker Visas secure up to 95% mortgages (subject to lender criteria).
📊 Self-employed clients obtain a mortgage using just one year's accounts with lenders who accept this.
👷 CIS contractors secure mortgages using payslips, where lender criteria allow.

Every case is unique, and I take the time to understand your circumstances before searching for the most suitable mortgage options available.

If you've been told "no" before, or you're unsure whether you'll be be accepted, don't assume you can't get a mortgage. There may be more options available than you think.

📩 Get in touch for a friendly, confidential, no-obligation chat. I'd be happy to see how I can help.

Your home may be repossessed if you do not keep up repayments on your mortgage. Mortgages are subject to status, affordability and lender criteria.

Call now to connect with business.