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How to buy a property in Scotland – The Process.

How to buy a property in Scotland – The Process.

"I'm a Specialist Mortgage Advisor who can help your property dreams come true."

Ross McMillan

Blue Fish Mortgage Solutions

As a former estate agent of almost 15 years, I now use my vast experience, insider knowledge and access to dozens of lenders to help people like you:

  • Secure the right mortgage for your circumstances.
  • Successfully master the Scottish property buying process from start to finish.
  • Achieve your property ambitions - however big or small

Get in touch for a no-obligation chat about how I might be able to help you.

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Table of Contents

Key Stages of Property Buying Process in Scotland

Are you ready to embark on your property buying journey in Scotland? Understanding the key stages can help you navigate through the process smoothly. Here are some frequently asked questions:

What is the first step in buying a property in Scotland?

The first step is to speak to a mortgage advisor to establish a realistic budget tailored to your individual circumstances. This consultation will provide valuable insights into your financial capabilities and guide you towards a suitable budget.

What is an Agreement/Decision in Principle (AIP/DIP) and why is it important?

An AIP/DIP is not a guarantee but provides confidence that you could obtain a mortgage. It’s a crucial step in the process as it helps you understand your mortgage options and sets realistic expectations before proceeding further.

How do I identify properties to consider?

Once you have a budget in mind, start viewing properties within your price range. Take note of features that align with your preferences and make a list of potential options to explore further.

What happens after I find a property I want to purchase?

Once you’ve identified a property, instruct a solicitor to make an offer on your behalf. Before doing so, ensure you’ve consulted with your mortgage advisor to confirm and firm up on financial figures.

What is the legal conveyancing process?

Legal conveyancing involves the transfer of property ownership between solicitors representing the buyer and the seller. This process ensures all legal requirements are met before finalizing the purchase.

How do I finalise my mortgage application?

After your offer is accepted, progress from the AIP to a full mortgage application. Once approved, your solicitor can confirm the legal bargain, including the settlement date.

What is required for the settlement date?

Ensure the deposit required for the purchase is in your solicitor’s account and cleared before the settlement date. This ensures a smooth transaction on the day of entry.

What happens on the day of entry?

On the agreed settlement date, your solicitor will receive funds from the mortgage lender to complete the purchase. You’ll then receive the keys to your new home, marking the successful completion of the process.

Ready to Begin Your Property Journey?

If you have any further questions or are ready to start your property journey, fill in the enquiry form below, and our team will be in touch to assist you every step of the way! 🏡🔑

Speak to an expert!

 Contact me, Ross McMillan, the owner of Blue Fish Mortgage Solutions today for expert advice and guidance on your unique mortgage and property needs. I will work with you one-on-one to help you find the right solution for your specific needs. With my expertise and industry connections, you can rest assured that you are in good hands when it comes to securing the financing you need for your property. 

How to buy a property in Scotland – The Process.
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Hopefully the above information has been useful but if you have any other questions or are ready to start your own property journey now, please fill in the enquiry form and we will get in touch!

This article is intended to be a generic overview and each individual situation will need to be considered carefully, with the final decision being down to the lender.

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How to buy a property in Scotland – The Process.
How to buy a property in Scotland – The Process.

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Blue Fish Mortgage Solutions provide expert mortgage, protection and insurance advice and is a trading name of CS Financial Group Ltd and Blue Fish Mortgage Solutions is the name under which we carry out these services.


Blue Fish Mortgage Solutions is not a business in it’s own right, it is part of CS Financial Group which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited.