By contacting us at Dewar & Partners for a free no obligation assessment.

You can improve your credit score by proving that you can cope with all your various credit commitments such as loans and credit card payments and by paying things like mobile phone bills and utility bills on time. Being on the electoral role also helps.

This is a score that we all have and is based on various things about the way we have conducted our finances over the preceding six years and is used by financial services companies to assess our credit worthiness.

No, not for your main residence but investment properties bought on a Buy To Let basis will be subject to Capital Gains Tax.

You can normally only have one residential mortgage but you are able to buy another property to let out.

Yes, normally you are allowed to pay off up to 10 percent of the balance in any one year without incurring any repayment penalties.

Yes you can but beware of early repayment penalties if you have only had your current mortgage product for a short time.

• Stamp Duty: (a kind of tax) which is a percentage of the purchase price over £145,000. A handy calculator can be found at http://scottishstampduty.com/

• Solicitor’s fees: which are also based on the purchase price, a quotation can be provided on request; a typical first time buyer will pay between £750.00 and £1,000.

• Valuation fee: In Scotland all properties on the open market will have a single survey as part of the Home Report. Most lenders will accept this report rather than having to instruct your own. When remortgaging many lenders will pay the valuation fee for you.

• Lenders arrangement fees: which can usually be added to the mortgage if required and average about £995.00

• Mortgage broker fee: Can be anywhere from zero to 1 or 2% of the loan amount (Dewar & Partners normal fee is £295.00 which is reduced for repeat customers).

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