In this week's episode of the ESPC Property Show, Paul & Megan are joined by their ESPC Mortgages colleagues, Paul Demarco and Lisa Bell to discuss the current mortgage market and what home movers can expect to see in their mortgage deals.

CHAPTERS:
0:00-0:30 Intro
0:30-2:10 Working out how much money you can borrow
2:10-3:14 Calculating affordability
3:14-5:07 How do children and pregnancy affect your mortgage eligibility?
5:07-6:21 How to find out what your credit score is
6:21-7:57 How much money do you need to buy a home?
7:57-9:16 Additional costs to mortgages
9:16-11:07 Money saving advice
11:07-11:34 When is the best time to speak to a mortgage advisor

The initial consultation with an ESPC Mortgages adviser is free and without obligation. Thereafter, ESPC Mortgages charges for mortgage advice are usually £395 (£345 for first-time buyers). YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOANS SECURED AGAINST IT.
The information contained within this website is subject to the UK regulatory regime and therefore restricted to consumers based in the UK.
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk.
ESPC (UK) Ltd is an Appointed Representative of Lyncombe Consultants Ltd which is authorised and regulated by the Financial Conduct Authority.

Got a question for us? Send us a text message!

Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on marketing@espc.com or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!

To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.

You can read our most recent house reports here: http://bit.ly/3CQlEQw

Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T

ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.

On today's episode, Paul & Megan are joined by Michelle Robinson from Snugg to talk all about how to make your home in Scotland more energy efficient.

Throughout the episode we focus on things like the Scottish Government's Heat in Buildings Bill, what retrofitting is and learn how EPC ratings affect your carbon footprint.

Snugg is an easy-to-use online platform that makes researching and improving your home’s efficiency a straightforward process. Simply input your postcode into Snugg's online tool and learn about your property's EPC rating and what updates you can do to decrease your utility bills.


CHAPTERS:
0:00-1:56 Intro
1:56-3:48 What is an EPC rating?
3:48-6:00 Why should you reduce carbon emissions from your home?
6:00-8:15 What are low emission heating solutions?
8:15-10:14 What are the advantages of changing to a lower energy heating solution?
10:14-12:07 What does retrofitting mean?
12:07-13:15 What funding is available?
13:15-14:40 How can Snugg help?
14:40-18:14 How retrofitting can affect house prices
18:14-19:30 District heating in Edinburgh

Got a question for us? Send us a text message!

Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on marketing@espc.com or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!

To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.

You can read our most recent house reports here: http://bit.ly/3CQlEQw

Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T

ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.

In this week's episode of the ESPC Property Show, Paul & Megan are joined by Sally Nash & Aimee Orrock from Gilson Gray to discuss what happens during the divorce process in Scotland and how property can be divided when a couple separates.

You can find out more about Gilson Gray here.

CHAPTERS
0:00-1:47 Intro
1:47-4:03 What's the first thing to do with your property during a separation?
4:03-5:20 Do reconciliations happen during separation discussions?
5:20-7:13 Who gets what in a divorce in Scotland?
7:13-8:21 Does going to court delay the process?
8:21-15:08 Can you stop your spouse living in the marital home?
15:08-16:26 Is it best to sell the marital home or transfer ownership to one party?
16:26-23:51 How do you calculate the division of assets in the divorce?
23:51-25:55 How long do divorce proceedings take in Scotland?
25:55-31:23 Should a couple get a pre-nuptial agreement?

Got a question for us? Send us a text message!

Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on marketing@espc.com or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!

To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.

You can read our most recent house reports here: http://bit.ly/3CQlEQw

Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T

ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.