There are very few things in life as exciting – or as daunting - as buying your first home. How much can you borrow, what other costs do you need to budget for, what type of mortgage should you choose?

Rettie Financial Services will provide you with a dedicated mortgage advisor who’ll be with you at every step of the journey, helping you calculate how much you can borrow, how much everything will cost, and talking you through the entire process from start to finish. We’ll also advise you on the full range of first time buyer mortgage products available, including any 100% mortgages (deposit free mortgages), as well as talking you through other initiatives designed to support first time buyers, such as the LIFT scheme.

To find out more about the potential tax liability for your first home purchase, view our Guide to Land and Buildings Transaction Tax, which includes our LBTT calculator.

  • "A big Thank you to Paul Banyard from Team Rettie, who supported us throughout our house hunting journey! He was our mortgage advisor but he supported us like a good friend and helped us in getting the right house. We were new to the property market and the convoluted processes involved therein. He was the only person who offered us to go through the home report and advise us on how much the property is actually worth rather than us making an emotional decision. He made himself available out of regular work hours to help us understand each and every aspect of mortgage, our options and took the hard work away from the process. He also is an excellent protection advisor. I can't recommend him enough. Thank you Paul for all your time and help! I wish I could give you more than 5 stars!"

    Neera Prasad
  • "I recently used Rettie Financial Services to assist with my first time buying a property. I worked with Paul initially, who was excellent. He reviewed home reports, took me through a budget planner and helped me decided which mortgage provider to go for, and then handled the application process. He also discussed my insurance options with me and completed those applications as well. I then worked with Rajinee, who was also excellent, and saw me through to the end of the process and the completion of my purchase."

    Amy Vickerton
  • "My girlfriend Kasia and I would like to say a wholehearted thanks to Paul Banyard at Rettie Financial Services Edinburgh. We met Paul through Rettie, and have been delighted with the service, advice and guidance he’s provided while brokering our mortgage. As both of us are first-time buyers, we have greatly appreciated Paul’s advice and calm, professional explanations of the options and process. Paul throughout has always been available, responds very quickly to our queries, and has gone above and beyond to broker our first mortgage, particularly within the timespan of recent interest rate hikes. Paul also helped us to set up our Insurance polices, enabling us to get the best deal possible. We highly recommend Paul to anyone who is looking for first class, impartial advice and professionalism as they embark on their mortgage journey. We very much look forward to working with Paul in the future. Thank you!"

    Alex Griffin
  • "As a first time buyer, I have been very impressed by the level of detail and guidance provided by Retties Financial Services. Paul Banyard in particular, has been incredibly helpful, and always took the time to run through documents answering my questions (no matter how silly!) that was so helpful. Thank you for guiding me through this process!"

    Saf Rahbour
  • "Being a first time buyer, my understanding of the mortgage application was limited, however Claire Black helped guide me throughout the entirety of the property purchase lifecycle. Her expertise, attention to detail, and commitment to finding the best mortgage solution made the entire process smooth and stress-free. Beyond her expertise, Claire's genuine friendliness made the experience enjoyable and much less daunting than what I ever thought it would be. I cannot recommend Claire enough for her knowledge, expertise and the added bonus of being truly pleasant to work with."

    John Docherty
  • "We were supported by Karen and Megan buying our first home together which was a new build. Karen was our mortgage advisor and she was just brilliant. She spent so much time with us before we sent away the mortgage application really taking the time to get to know us and our financial situation. She gave us lots of advice and was always on hand to answer questions which we really appreciated. She also stepped in to help us get an issue resolved with our developer around incentives. On top of all that, she’s such a lovely person! Highly recommend Karen, no question was too silly which I think is also super important for first-time buyers."

    Fariha Saeed
  • "My partner and I had been looking to purchase a property for almost a year using an online mortgage advisor based in England and were constantly getting rejections. We were recommended Karen Lochhead as an advisor and immediately we knew we would be in a better position after our first call with her. Karen was very welcoming and gave us the advice we needed about the market in Glasgow that our previous broker couldn’t. Her service was very tailored to suit our needs and we really appreciate the amount of effort she put in to help us secure the perfect property. Karen took all our needs into account when searching for a mortgage lender, including our ideal deposit amount, monthly payments and mortgage term. Karen and Megan were both very supportive throughout the whole mortgage application process and always kept us up to date with each stage as they were aware this was our first mortgage. We can’t thank them enough for helping us get our dream home with a mortgage that perfectly suits our needs!"

    Laura Anderson
  • "Can't thank Karen and Megan at Rettie Financial Services enough for everything they've done for us. Karen took real good care of us, working day and night, frequently keeping in touch with the best deals. When applying for a mortgage there's a lot of information to take in and a lot of things to consider; and if you are a first time buyer like my partner and I it does get very confusing and overwhelming. Karen always made sure we understood everything and was always available to answer any questions we had. It was a long process but we can finally say that we're moving into our first home in a couple of weeks and couldn't have done it without her help. Thank you!!"

  • "I would recommend Karen and Megan to anyone needing mortgage advice. They have been a huge help while I have been buying my first home and I couldn't have done it without their knowledge, expertise and efficiency! If 6 stars was possible they would be well deserving of it!"

    Alice Lambert

    At Rettie we understand.

    At Rettie Financial Services we understand that everybody’s property journey is different. That’s why we’re with you every step of the way. With access to over 90 lenders and over 12,000 mortgages, our certified Mortgage & Protection advisors have the expertise and experience to provide a tailored service that will deliver for you.

    Outstanding Customer Service

    Rettie Financial Services excels in speed, expertise and customer satisfaction. Our commitment to you extends beyond transactions, providing both financial and emotional support throughout your journey.

    Personalised Solutions

    We bring a personal touch to every interaction, taking time to understand and address your unique financial requirements. No matter how complex and intricate your needs, we have the experience and know-how to identify and deliver an innovative personal solution that’s right for you.

    A Proven Approach

    Our highly experienced Mortgage & Protection Advisors have a proud track record in delivering a supportive, quick and hassle-free service, evidenced by a constant stream of 5 star reviews from our satisfied clients.

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    Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.

    Tax Calculator
    LBTT calculator for properties purchased in Scotland. Stamp Duty calculator for properties purchased in England.
    Land & buildings transaction tax (LBTT)
    = £0

    Rettie Financial Services Ltd is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

    Rettie Financial Services Ltd. Registered Office Address: Deuchrie, Dunbar, East Lothian, United Kingdom, EH42 1TG. Registered in Scotland Number: SC711925.

    There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

    For insurance business we offer products from a choice of insurers.

    Your home may be repossessed if you do not keep up repayments on your mortgage.