Stevenson Financial

Home
United Kingdom
South Lanarkshire
Stevenson Financial

Stevenson Financial is a family-run Mortgage Brokers based in Glasgow. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.

Stevenson Financial is a trading name of Cochno Financial Group Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. Registered in Scotland, Company Number - SC688947

Please note, Social Media posts are aimed at UK customers only. The Financial Conduct Authority does not regulate most Buy-to-Let mortgages’

We will charge a fee of between £0 an

d £995. The amount we will charge is dependent on the amount of research and administration that is required. This fee is payable on receipt of a mortgage offer.

03/06/2026

If you're juggling multiple debts and the monthly payments are adding up, consolidating them into one agreement could be worth exploring 🏡

The idea is simple - rather than managing several payments at different rates, you roll them into your mortgage and make one monthly payment, often at a lower interest rate.

Here's what to consider 👇
✔ It can reduce your monthly outgoings and simplify your finances
✔ Consolidation rates can be lower than credit card or loan rates
✔ It could free up breathing room in your monthly budget

That said, it's not the right move for everyone. Spreading short term debt over a longer mortgage term means you could pay more overall - so it's important to look at the full picture before making a decision.

We can help you weigh it up properly and make sure it actually makes sense for your situation 💡

📞 Book a free initial consultation through our website - we'd love to help.

01/06/2026

𝗛𝗲𝗿𝗲'𝘀 𝘄𝗵𝗮𝘁𝘀 𝘄𝗼𝗿𝘁𝗵 𝗸𝗻𝗼𝘄𝗶𝗻𝗴 👇

✔ You still need to sell your current home and repay the existing loan - but your lender can effectively re-issue the same mortgage on your new property

✔ Your lender will still run affordability checks to make sure everything stacks up

✔ If your new home costs more, you may need to borrow the extra at current rates

Porting isn't guaranteed - it depends on your lender, your deal, and your circumstances. But for a lot of people it's a really valuable option that's worth exploring before making any decisions.

Thinking about moving and wondering whether porting could work for you? We'd love to help you figure it out.

29/05/2026

Big news for first-time buyers in Scotland. 🏡🏴󠁧󠁢󠁳󠁣󠁴󠁿

The Scottish Government has confirmed that the 𝗙𝗶𝗿𝘀𝘁 𝗛𝗼𝗺𝗲𝘀 𝗙𝘂𝗻𝗱 will open for applications by the end of June - and it's a significant boost for anyone looking to get onto the property ladder.

𝙃𝙚𝙧𝙚'𝙨 𝙬𝙝𝙖𝙩 𝙬𝙚 𝙠𝙣𝙤𝙬 𝙨𝙤 𝙛𝙖𝙧 👇

💰 𝗧𝗵𝗲 𝘀𝗰𝗵𝗲𝗺𝗲 𝘄𝗶𝗹𝗹 𝗽𝗿𝗼𝘃𝗶𝗱𝗲 𝗮 £𝟭𝟬,𝟬𝟬𝟬 𝗰𝗼𝗻𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻 towards a deposit on your first home

🏠 𝗢𝗽𝗲𝗻 𝘁𝗼 𝗮𝗹𝗹 𝗳𝗶𝗿𝘀𝘁-𝘁𝗶𝗺𝗲 𝗯𝘂𝘆𝗲𝗿𝘀 𝗶𝗻 𝗦𝗰𝗼𝘁𝗹𝗮𝗻𝗱 purchasing a new build or existing property with a mortgage, with a property value limit of £300,000

📋 𝗧𝗵𝗲 𝗦𝗰𝗼𝘁𝘁𝗶𝘀𝗵 𝗚𝗼𝘃𝗲𝗿𝗻𝗺𝗲𝗻𝘁 𝘄𝗶𝗹𝗹 𝘁𝗮𝗸𝗲 𝗮𝗻 𝗲𝗾𝘂𝗶𝘁𝘆 𝘀𝗵𝗮𝗿𝗲 𝗶𝗻 𝘁𝗵𝗲 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 - but there are no monthly payments and no interest charged. The share is repaid when the home is sold

The first phase is expected to support 2,000 households in its opening period - and with demand expected to be high, now is a great time to start preparing for your first home purchase 🙌

📞 If you'd like to find out how you can benefit from this scheme, book a free initial consultation call with the team - we'll help you understand how this could work for you.

22/05/2026

Knowing exactly what to budget for is one of the best things you can do before buying your first home 🏡✨

Here's a full breakdown of the costs to expect on top of your deposit 👇

⚖️ Solicitor fees ⚖️
One of the first costs to factor in is solicitor fees. This covers all the legal work such as property searches, reviewing contracts, and making sure the home is legally transferred to you. You’ll usually pay an upfront amount for searches, with the final bill settled on completion. It’s always best to confirm the exact payment structure with your solicitor, as this can vary.

🏷️ Stamp duty (o LBTT in Scotland) 🏷️
The amount you pay depends on your situation, whether you are a first-time buyer, home mover, or buying an additional property. Different rules apply to each, which affects how much you’ll pay.

🤝 Broker fee 🤝
This covers research, the application, and support through to completion.

🏦 Lender fees 🏦
These can include a valuation fee and an arrangement fee. The arrangement fee is worth paying attention to - it can sometimes get you a lower interest rate, and can usually be added to the mortgage if needed.

🔍 Survey 🔍
In Scotland, most homes require a Home Report, which includes a survey and valuation before the property is listed for sale, and this is the seller’s responsibility.

🛠️ Emergency fund 🛠️
We would always recommend having an emergency fund of 3-6 months of expenses saved. As a homeowner, unexpected costs like boiler repairs or leaks are your responsibility.

🚚 Removals 🚚
Easy to overlook but worth budgeting for. Going in with a clear picture of the full costs make the whole process a lot less stressful.

Book a free initial consultation via the link in bio - we'll make sure you're fully prepared 📞

21/05/2026

What you think you need to buy your first home and what you actually need are often two very different things 👀

Most first-time buyers assume they need a huge deposit, an unrealistic salary, and to put their life on hold. Here's what actually matters 👇
💰 Your deposit 💰
Even 5% can work depending on your circumstances

📊 Your income 📊
It needs to be stable, not huge. Lenders can also factor in overtime, bonuses and second job income when assessing affordability

💳 Your commitments 💳
What you owe each month affects how much you can borrow. Paying down credit cards and loans before applying can make a real difference
It's also worth knowing there are options to boost your borrowing power further - whether that's through a family member helping on the mortgage, or understanding which mortgage type suits your situation best. 🏡
The numbers might be simpler than you think. A good mortgage broker will make sure you know exactly where you stand (which is what we are) 💡
📞 Book a free initial consultation via the link in bio - we'd love to help.

20/05/2026

Big news for first-time buyers 🏡✨

One of the UK's leading banks is launching a new mortgage that requires just a £5,000 deposit - and it could be a game-changer for anyone who's been struggling to save enough to get onto the housing ladder 🙌

Here's what you need to know 👇
💰 Minimum £5,000 personal deposit
🏠 Maximum property price of £300,000
💼 Available to both employed and self-employed applicants - with no minimum income requirement
🔒 5 year fixed rate for peace of mind
✅ Free mortgage valuation included
👫 Only one applicant needs to be a first-time buyer on a joint application

For a lot of people, the deposit has always been the biggest hurdle. This product removes a huge part of that barrier 🙌

If you've been putting off buying your first home because saving felt out of reach - this might be worth a conversation 💬

Book a free initial consultation via the link in bio and we'll help you understand if this could work for you 📞

12/05/2026

A top tip if you're self-employed that could come in handy!

11/05/2026

This is what we're here for 🙌

"We always felt in safe hands."

Getting a mortgage doesn't have to be stressful - it just takes the right person in your corner.

Huge thanks to this client for the kind words about Rachael. Reviews like this mean everything to us.

Ready to feel the same way? Book your free consultation with the team.

06/05/2026

April has been another strong month for the Stevenson Financial team! 🏡

🔑 4 clients got the keys to their new homes this month.
📋 We submitted a real mix of applications in April - a great reflection of what's happening in the market right now:
• Product transfers
• Remortgages
• 2 first-time buyer applications
• Buy-to-let purchases - including one portfolio case involving 6 properties within a single building

📊 12 clients also secured new mortgage rates this month, through remortgages and product transfers - helping them find more competitive or suitable deals.

After a turbulent March where rates were rising and products were being pulled quickly, April has felt more settled. Some lenders have started reducing rates, competition is picking up, and there's been a welcome pause in market volatility.

That said, the market is still moving fast. Rates change day-to-day and products can be withdrawn with little notice.

If your mortgage is due for renewal in the next 6 months, now is a good time to start reviewing your options. Don't leave it too late to secure a rate.

Book your free initial consultation via the link in bio. 📞

30/04/2026

A recent project from one of our clients.

They wanted to carry out renovations on their home and used additional borrowing on their mortgage to help make it happen.

It’s something a lot of people don’t realise is an option — depending on your circumstances, you may be able to release funds to improve your home rather than move.

Every situation is different, and it’s always important to understand what’s right for you, but it can be a really useful way to create more space or update your property.

If you’re thinking about making changes to your home and want to understand your options, we’re always happy to talk it through.

Get in touch using the link in our bio.

Address

South Lanarkshire

Telephone

+447927951757

Website

http://www.stevensonfinancial.co.uk/

Alerts

Be the first to know and let us send you an email when Stevenson Financial posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Stevenson Financial:

Shortcuts

Want your business to be the top-listed Finance Company in South Lanarkshire?