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Life’s journey isn’t always simple

You won’t be surprised to know that
buying a home is one of the seven Help is at hand
most stressful events in people’s lives To help people navigate dierent life

– along with events like the death of events, Lindsays has launched a series
a loved one, relationship changes, of short videos for modern families,
divorce and money challenges – called ‘With you on your journey
according to research for a through life’.
charitable healthcare trust*. The videos cover a range of topics

Research different locations circumstances you would generally need It’s not just the emotional aspects that such as:
Homes in popular areas can come a deposit of around £15,000. If you paid make these life events challenging, the • myths around living together and

with a premium price tag, meaning £105,000 to secure the property, you would legal and financial elements can also marriage
you’ll likely need a larger deposit to live there. be required to contribute the 15% deposit seem daunting. Often adding to the • how to protect your assets with
plus the £5,000 paid above the property’s issue are some unfortunate myths and some simple legal agreements
value so a total contribution of £20,000 misconceptions about people’s rights in
Research a variety of different areas to these situations. • using Wills and Powers of Attorney
explore what places meet your needs – you would be required. to ease the strain of diƒcult times

might discover somewhere more affordable A classic example is the common belief • why it’s important to keep
nearby that offers similar amenities, but at a Boost your credit score that partners and cohabitees have the relationship changes respectful.
lower price. There are ways you can improve same rights as spouses. They don’t, and the
your credit score. Make sure you do consequences of this misconception can You can watch all the videos –
Paying over Home Report not miss any payments or be late on anything include having to move out of your home. and get useful tips for life.
valuation like credit cards. Open up a credit card and
use it but always pay off as much as you can
It is important to note that the Scan the QR code
lender will calculate the level of borrowing and leave minimal debt on it. to view the video
based on the value of the property and not
the purchase price, which is often higher than Get mortgage advice today on our website
the valuation. In this instance, the borrower ESPC Mortgages is a team of independent
would be expected to cover the minimum mortgage advisers based in Edinburgh. With
15% deposit but also the amount paid above many years of experience, they are well-placed
the property’s valuation. to help you purchase your first property.

As an example, if you wanted to buy a Get in touch with the team on 0131 253 2920 With you on your
property valued at £100,000, in the present or fsenquiries@espc.com.
journey through life

The information contained in this article is provided in good faith. Whilst The initial consultation with an ESPC Mortgages adviser is free and
every care has been taken in the preparation of the information, no without obligation. Thereafter, ESPC Mortgages’ charges for mortgage
responsibility is accepted for any errors which, despite our precautions, advice are usually £395 (£345 for first-time buyers). YOUR HOME MAY *Benenden Healthcare
it may contain. BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A
MORTGAGE OR OTHER LOANS SECURED AGAINST IT.
lindsays.co.uk
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