Mortgage Central (Scotland) Ltd

26/06/2026

Hi all, whereas there has not been much good news to report in the last 3 months, we are pleased to confirm the launch of the new Scottish Government First Home Fund! This is a Shared Equity Scheme which allows you to borrow up to £10,000 from the fund to help purchase your first home. The Scottish Government will retain an equity share in your property until you either buy it out or sell the property. There is no interest charged and no monthly payment to make either. Ideal for those with a small amount of savings as typically you will be required to provide a 5% deposit.
For more details from the scheme Administrators, Link Housing, click on this link; https://linkhousing.org.uk/fhf

As the Middle East Crisis hopefully ends we have seen oil prices drop back to pre conflict levels which will hopefully alleviate inflation fears and the risk of rising interest rates. Mortgage Rates have reduced from their peak and we hope that trend continues!

First Homes Fund The Scottish Government’s First Homes Fund helps first-time buyers with up to £10,000 towards an existing or new-build home costing no more than £300,000.   Buyers receive an equity loan with no ongoing repayments, they own their property outright and the Scottish Government ho...

19/03/2026

A good article with a simple explanation of why mortgage rates are increasing.

On 16 January, the average rate on a new two-year fixed-rate mortgage was 4.78%, according to the financial data company Moneyfacts. Two months later, it was 5.20%. Between those two dates, the Bank of England voted to keep the base rate at 3.75%. More significantly, though, the US and Israel carrie...

12/03/2026

Hi all!

Sorry we have not posted for a while, as you can tell we are not prolific FaceBookers.

However, in light of recent events in the Middle East we felt we should say that we have been seeing many mortgage lenders increasing rates last week and this week as the money markets get edgy and swap rates rise meaning that borrowing costs increase.

There are still some great rates to be had so if you have been delaying your mortgage review or if you are thinking of moving or buying for the first time, don't dilly dally! That is all!

05/06/2024

We are here to help with all your mortgage and protection needs. Established in Stirling 2008 and ran by local folk who understand the local market.

05/06/2024

We have such lovely people that we have the privilege to help buy their dream homes. We don’t expect cake - but boy do we love it! Look at this beautifully hand made cake brought to us from happy clients! Looks stunning, tasted even better!
Thank you so much! You know who you are!

05/06/2024

Mortgage Rates are constantly changing and we have the tools to ensure we can recommend the most suitable deal for you.

Experts have warned that other major lenders may increase their rates

28/03/2024

We are closed for the Easter Weekend.
Open Tuesday
April 2nd @9:00am

29/02/2024

Signs of life in the property market?

Some 55,227 mortgages for house purchase got the green light in January, the highest total since October 2022.

24/01/2024

Mortgage Rates have continued to fall into 2024 so if you have a mortgage rate due to expire in the next 6 months, now is the time to review your options.
For First Time Buyers and Homemovers, the market is showing tentative signs of picking up so why not find out how much you could potentially borrow and be ready to make a move when you find your next home!
Contact us to see how we can help you throughout the whole process.

24/12/2023

We are now closed for Christmas & New Year
and will reopen on
Thursday 4th January.
Thanks to all our old and new customers for your support throughout the year!