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First-Time Buyers & Couples Guide: How to Get on the Property Ladder with Confidence
Deposit - how much do you actually need?
Most first-time buyers in Scotland put down 5–10% of the purchase price.
For example:
£180,000 home → 5% = £9,000
£220,000 home → 10% = £22,000
The bigger the deposit:
✔ lower monthly payments
✔ better mortgage rates
✔ more lender options
Top tip:
Look into Lifetime ISAs or regular savings plans early as they make a huge difference over time.
Mortgage broker and why it’s worth having one
Think of a mortgage broker as your matchmaker.
Instead of you searching through dozens of banks, they:
✔ compare deals for you
✔ explain what you can borrow
✔ handle paperwork
✔ often access exclusive rates
It saves time, reduces stress, and can actually save you money long-term. We regularly connect buyers with trusted local brokers so you’re supported from day one.
Affordability and what you can realistically borrow?
Lenders don’t just look at income - they look at your full financial picture.
They’ll consider:
- salary
- monthly bills
- credit history
- existing loans or finance
- lifestyle spending
A quick rule of thumb:
Most people borrow 4-4.5x their income, but everyone’s situation is different.
Getting a Decision in Principle (DIP) early helps you:
✔ understand your budget
✔ shop with confidence
✔ move quickly when you find “the one”
How we help at Property Connections
Buying your first home shouldn’t feel scary - it should feel exciting.
That’s where we come in.
We help you:
- Find homes that actually match your budget
- Explore properties with detailed photos & Matterport tours
- Book flexible viewings
- Liaise with sellers and solicitors
- Guide you step-by-step through the process
No pressure. No jargon. Just honest advice.
Because we know this isn’t just a purchase, it’s your first home together.
Ready to start your search?
If you’re thinking about buying, we’d love to help you take that first step.
Browse our latest properties or chat with our team today - your future home might already be waiting!
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Why Choose Property Connections?
Choosing Property Connections means partnering with an estate agency built on trust, genuine relationships, and an unwavering commitment to doing things properly. Whether you’re buying or selling, you’ll work with a team that takes the time to understand your story, guides you with honesty, and stays by your side at every step. We’re not a nine-to-five operation - we’re here when you need us, offering clear communication, expert advice, and a calm, supportive approach that removes the stress from moving home. Backed by cutting-edge technology, detailed local knowledge, and a reputation for quality over quantity, we deliver a personal, attentive service that ensures your property journey feels simple, transparent, and truly looked after.
Real Recognition Comes From Clients
We’ve never chased awards - and we don’t plan to. Trophies and titles might look good on social media, but we believe real recognition comes from the people we actually help. Every verified Google review, every client who returns or refers a friend, that’s the kind of validation we value. Our focus isn’t on impressing judges. It’s on showing up for the people who trust us with life-changing decisions. We’d rather be known locally for doing the right thing consistently than nationally for winning a plaque once.
We Believe In Giving Back To The Local Community
Sponsoring Local Sport Teams - We proudly support local sports teams to strengthen our community and promote healthy, active lifestyles. By investing in local talent, we help our neighborhood thrive both on and off the field. Giving Back To Charity - We believe in making a positive impact. By supporting local charities and community projects, we help create meaningful change and give back to those who need it most.
