Getting on the property ladder
starts right here.

I help first-time buyers in Scotland get mortgage-ready and onto the property ladder, so they can stop renting and own their own home.

Book a CallFirst Time Buyer Readiness Quiz
Michael Watt — Mortgage Adviser
Michael Watt
Mortgage & Financial Adviser
CertMAP — Certificate in Mortgage Advice
DipPFS — Diploma in Financial Planning, CII
FCA Regulated · Freedom Financial Services
Scottish First Homes Fund Specialist
FCA Regulated
Whole of Market
First Home Fund Specialist
Based in Scotland
FCA No. 920865
Free · No credit check · 2 minutes

Am I Mortgage Ready?

Answer 12 quick questions — no documents, no credit check, takes 2 minutes — and get your personalised readiness score.

This is an indicative guide, not a mortgage decision or financial advice. It won't affect your credit score.

100% freePersonalised planScottish first-time buyers
What I do

How I can help you

Whether you are ready to apply today or just starting to figure out where to begin — I have got you covered.

Mortgage Advice

I search the whole market to find the right mortgage for your situation — including if you have a small deposit, some debt, or a tricky credit history.

Book a call →

Mortgage Readiness

Not ready yet? I will build you a clear plan — what to pay off, how to improve your credit, how much to save, and a realistic timeline.

Get a plan →

Protection

Life insurance, income protection, critical illness — the stuff people skip until it is too late. I will find you the right cover at the right price.

Find out more →
Affordability

How much could you borrow?

Use this calculator to get a rough idea of what you might be able to borrow. It is a starting point — not an offer or a guarantee.

Every lender looks at things differently — your income, outgoings, credit history, and deposit all play a part. That is exactly why speaking to a broker matters.

This calculator gives a general estimate only. Book a call to understand your real options based on your actual situation.
Quick Estimate
Fill in your details and we will do the maths.
£
For a joint application, combine both incomes before entering.
£
years
Maximum term is 35 years.
Get in touch

Lets have a chat

No pressure, no jargon. A 20-minute call to talk through your situation honestly — and work out what the right next step looks like for you.

01
Pick a time that suits youMornings, evenings, and weekends available — use the link to find a slot that works
02
Tell me about your situationIncome, deposit, debt, credit concerns — nothing is off limits and nothing will surprise me
03
Walk away with a clear next stepWhether you are ready now or need a 12-month plan — you will leave knowing what to do
Follow along

Free content, every week.

First-time buyer education, Scottish mortgage guides, credit score tips, and the honest stuff nobody else talks about.

My Story

About me

I am a 34-year old married father of two based in central Scotland. I believe that everyone should have the opportunity to own their own home and not be stuck renting forever.

The reason I decided to become a mortgage adviser is simple: I am genuinely passionate about helping people improve their financial situation and get on the property ladder.

CertMAP — Certificate in Mortgage AdviceQualified mortgage advice
DipPFS — Diploma in Financial Planning, CIIPersonal finance & protection planning
FCA Regulated · Freedom Financial ServicesFCA No. 920865
Scottish First Homes Fund SpecialistHelping first-time buyers in Scotland
Michael Watt — Mortgage Adviser
Based in Scotland
First Time Buyer Specialist