Joanna McEwan - First Choice Mortgages

Joanna McEwan - First Choice Mortgages Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Joanna McEwan - First Choice Mortgages, Mortgage brokers, 11-13 Crichton Street, Dundee.

Your first choice for mortgage advice - whether you’re buying your first home, moving, or remortgaging.

📍Based in Dundee, helping clients anywhere in the UK.

📞 07344117816
📧 [email protected]

I will be on holiday from 19th June until 5th July 🌴If you already have an application in progress, don’t worry you’ll s...
09/06/2026

I will be on holiday from 19th June until 5th July 🌴

If you already have an application in progress, don’t worry you’ll still be looked after while I’m away. For updates or to arrange a new appointment during this period, please contact the office on 01382207750.

I’ll be back and ready to help from 6th July.

If anyone has any tips on how to survive a 9 hour flight with a toddler please let me know 🫣

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

When is a Buy to Let not a Buy to Let? 🤔When you’re in the armed forces and/or employee accommodation. This week, I help...
05/06/2026

When is a Buy to Let not a Buy to Let? 🤔

When you’re in the armed forces and/or employee accommodation.

This week, I helped a client living in army accommodation who wanted to release equity from a rented property he owns.

He’d been told by another broker that the only option was to switch his mortgage to a Buy to Let mortgage ❌

This was problematic because:
•He wanted to borrow 90% of the value of the property (most buy to lets are limited to 75-80%)
•The rental income wasn’t sufficient to service the mortgage payments

Instead i’ve secured a residential mortgage at 90% loan-to-value with consent to let, allowing him to release the funds required without changing to a Buy to Let mortgage.

If you’re in the Armed Forces or living in tied accommodation and are concerned about getting onto the property ladder later in life, it’s worth exploring all of your options. You may be able to purchase a property with as little as a 5% deposit and rent it out until you’re ready to move in (or sell it and buy somewhere else).

Every situation is different, so advice is essential.

📩 Feel free to get in touch if you’d like to discuss your options.

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

31/05/2026

Choosing the right solicitor is just as important as choosing the right mortgage ❕

A good solicitor can make the whole process smoother, and help avoid unnecessary delays and stress.

I work with some fantastic solicitors who I know will look after my clients properly. Google “cheap online solicitors” and you might regret it later 🤣

£10,000 for First time buyers❗️The Scottish government has announced applications for First Homes Fund will open by the ...
28/05/2026

£10,000 for First time buyers❗️

The Scottish government has announced applications for First Homes Fund will open by the end of June.

These funds are expected to go quickly, so it’s important to be prepared early. To apply, you’ll need:

✔️ A mortgage in principle
✔️ A mortgage broker ready to submit your application as soon as the scheme opens

https://www.gov.scot/news/first-homes-fund-open-by-end-of-june/

📩 DM to find out if you’re eligible

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

19/05/2026

Important Information ‼️

Following my recent posts about arranging a mortgage with a history of bad credit, I’ve had a number of enquiries asking about the process.

The first thing I’ll ask you to do is download a copy of your credit report from Checkmyfile:

https://www.checkmyfile.partners/GJRQTNX/2CTPL/

Checkmyfile shows information from all three main UK credit reference agencies in one place. As the agencies don’t always hold the same information, this helps me see the full picture and give you accurate advice 🔍

Please download your report before booking an appointment.

To book an appointment to understand your mortgage options 👇

📞07344 117816
📧[email protected]

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

I’ve finally joined Instagram!I’ll be sharing mortgage tips, home-buying advice, market updates, and behind-the-scenes c...
14/05/2026

I’ve finally joined Instagram!

I’ll be sharing mortgage tips, home-buying advice, market updates, and behind-the-scenes content over there so if you’d like to keep up to date, I’d love for you to give my new page a follow 🤎

👉 Follow me on Instagram:

The biggest thing stopping most first time buyers? The deposit 🏡A new mortgage launching next week could allow you to pu...
14/05/2026

The biggest thing stopping most first time buyers? The deposit 🏡

A new mortgage launching next week could allow you to purchase with just a £5,000 deposit 👇

✔️Available for first time buyers only, for joint applications only one of you needs to be a first time buyer

✔️ £5k minimum deposit on properties up to £300k. Most lenders currently require 5% (£15k on a £300k property)

✔️ Deposit must be from your own savings, no help from the bank of mum and dad

✔️ Good credit score required

This could be ideal if you’re struggling to save a larger deposit or if you’ve been missing out because you can’t offer over Home Report value.

Know someone who’s been putting off buying because of the deposit needed? Send this their way 💭

To find out if you’re eligible…

📩 [email protected]
📞 07344117816

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

From "No" to "Congratulations, your mortgage has been approved" in under a week 🥳I've just had a mortgage approved for a...
13/05/2026

From "No" to "Congratulations, your mortgage has been approved" in under a week 🥳

I've just had a mortgage approved for a client who contacted me after his existing lender declined his application to move home due to a couple of late payments.

📨 New application submitted - 5th May
✅ Mortgage fully approved - 11th May

Getting a mortgage with an imperfect credit history doesn't have to be difficult... you just need the right mortgage broker 👀

If you've been declined by your bank or think your credit history might hold you back, feel free to get in touch.

📩 [email protected]
📞07344 117816

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

Why I’m not worried about AI taking my job 👇I’ve just placed a mortgage for a client with a poor credit score due to mul...
29/04/2026

Why I’m not worried about AI taking my job 👇

I’ve just placed a mortgage for a client with a poor credit score due to multiple defaults totalling £33,423 that had just a 5% deposit.

Advice they were seeing online and from AI:

❌ “Pay off the defaults” (which would have wiped out their deposit)
❌ “Increase your deposit to 15–30%” (saving 5% is hard enough 🫠)
❌ “Spend time building your credit score” (this can take years)

My recommendation:

✔️ Leave the defaults as they are
✔️ Proceed with a 5% deposit
✔️ Maintain their current credit score

They now have a mortgage in principle, haven’t had to sacrifice their deposit, and are already searching for their new home.

So before taking advice from Google or AI at face value… have a conversation with someone who does this day in, day out.

You might be closer to your new home than you think 🏡

For real life mortgage advice…

📞 07344117816
📧 [email protected]

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

Address

11-13 Crichton Street
Dundee
DD13AP

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