Page 38 - December 2022

AT HOME WITH

Find out more Pop in on Wednesdays between 12pm and
Got a home buying or selling question? 2pm and Saturdays between 11am and 2pm.
Speak to an expert agent for free! We have a And remember, you can still get help outside
great range of opportunities to speak with a of these times by calling 0131 624 8000.
market expert from one of our solicitor estate
agent member firms who can give you the Independent mortgage advisers
answers you need. Our team of mortgage brokers are experts in
the process of buying a house or flat. We can
A representative from an ESPC solicitor help answer all your mortgage questions and
estate agent is available in our Property can help you with your home and personal
Information Centre at 107 George Street, protection needs. Get in touch with the team
Edinburgh every Wednesday and Saturday today by calling 0131 253 2920 or emailing
to answer your questions and help you with fsenquiries@espc.com
your property buying and selling needs.

Zak’s favourite part of the flat is the living room order and be organised with life admin. It
as he replaced the large bay window with a makes everything so much easier. Know what
door that leads straight onto the south-facing you can afford. You should manage your
front garden. He says: “It’s a fantastic flat and expectations. For a first-time buyer in my 30s
it’s unique with the south-facing front garden. like myself a flat in the city is a stepping stone
We’ve made the most of the space we’ve got.” and it’s not your forever home. We had to
remove the rotting bathroom floor and did a
With interest rates rising, many people are damp course.
worried about renewing their mortgages
but Zak, who has just set up his own civil “When it comes to choosing a mortgage Leith
engineering and environmental consultancy advisor you should ask around – don’t just go
company, said Paul managed to find them a with the first person you speak to, especially
good deal. in this current climate. I have no hesitation
in recommending Paul – my sister went to
Zak has some useful advice for first-time him too.” The initial consultation with an ESPC Mortgages adviser is free and without obligation. Thereafter, ESPC Mortgages charges for
mortgage advice are usually £350 (£295 for first-time buyers). YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP
buyers: “You should have your finances in REPAYMENTS ON A MORTGAGE OR OTHER LOANS SECURED AGAINST IT.
ESPC (UK) Ltd is an Appointed Representative of Lyncombe Consultants Ltd which is authorised and regulated by the Financial
Conduct Authority.

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