On this week's episode Paul & Megan chat to Alistair Ewing (Managing Director at The Lending Channel) about bridging finance.

What is bridging finance? It's a form of borrowing that allows property buyers to fund their purchase while they put their current home on the market.

Skip to the part that's relevant to you:
0:00-1:48 Intro
1:48-2:45 What is a bridging loan?
2:45-3:26 Why are they less common now?
3:26-4:16 Are bridging loans expensive?
4:16-5:06 What's the average term for a bridging loan?
5:06-6:30 Interest rate and duration implications
6:30-7:43 Risks involved in using bridging finance
7:43-9:14 What happens to the loan if you sell before the end of the term?
9:14-10:47 Using bridging finance to improve buying situation
10:47-12:44 Scenarios when bridging finance could be used
12:44-14:30 Why do lenders need an additional survey?
14:30-16:40 How does the application process differ from a standard mortgage?
16:40-20:15 Common concerns around bridging finance

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, Megan & Paul chat to Amy Howard from Neilsons and Lisa Connolly from McDougall McQueen about the local market in Midlothian.

They discuss the booming market in Bonnyrigg, why you should invest in Gorebridge and what the 2025 property outlook is for the area.

Skip to the bit most relevant to you:
0:00-1:32 Intro
1:32-4:50 Where is Midlothian?
4:50-6:57 Midlothian's property market
6:57-9:10 Property hotspots in Midlothian
9:10-11:50 Second hand new build market
11:50-14:25 Best areas in Midlothian for investment
14:25-18:43 Predictions for 2025 Midlothian market

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, Megan & Paul chat to Jamie Sole from Blair Cadell about the current property sales market in Edinburgh.

Jamie gives advice to local sellers on how to prepare for a valuation, tips for conducting property viewings as well as an outlook on the best time to sell.

Skip to the bit most relevant to you:
0:00-0:47 Intro
0:47-5:47 The dos and don'ts of selling your property
5:47-8:35 Should you sell first or buy your next home first?
8:35-11:00 Sell now or hold off until January?
11:00-12:40 How to prepare for a property valuation
12:40-14:26 Are buyers looking for a blank canvas?
14:26- 17:10 Advice for conducting a property viewing with potential buyers
17:10-18:06 Don't be afraid to reach out now

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, Megan & Paul chat to Graham White from Anderson Strathern about the local market in East Lothian.

They discuss the lack of "for sale" property, what's in demand and how the market differs in East Lothian from Edinburgh.

Skip to the bit most relevant to you:
0:00-0:38 Intro
0:38-1:45 Property market activity in East Lothian
1:45-2:31 Sub-markets across East Lothian
2:31-3:22 Most in-demand East Lothian properties
3:22-4:23 Prices being achieved in East Lothian
4:23-5:11 Where are the most expensive homes in East Lothian?
5:11-6:03 Property price increases in East Linton
6:03-8:15 Are "London buyers" heading to East Lothian?
8:15-9:08 Should you sell before you buy in East Lothian?
9:08-9:52 Where are the East Lothian property hotspots?
9:52-11:00 How have new builds affected the market?
11:00-12:06 The outlook for the remainder of 2024
12:06-13:24 Can first-time buyers thrive in East Lothian?
13:24-14:05 Small houses in East Lothian
14:05-15:21 Reasons to move to East Lothian

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, Megan & Paul chat through the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders.

They chat with David Marshall (Warners), Caitlin Keegan (Gillespie Macandrew) and Tracey French (ELP) about purchasing subject to sale, the increase of property chains and good news for first-time buyers.

Skip to the bit most relevant to you:
0:00-0:35 Intro
0:35-1:00 Meet our guests
1:00-3:07 What happened in Q3?
3:07-3:56 How long does it take for a house sale to complete in Scotland right now?
3:56-5:00 An increase in property chains?
5:00-10:02 Should you sell your property before you buy your next?
10:02-13:13 Good news for first-time buyers
13:13-15:07 Marketing properties as "Offers Over"
15:07-17:30 What's the highest percentage buyers have offered over Home Report value?
17:30-19:33 What are the property hotspots in Edinburgh?
19:33-23:36 Expectations for the remainder of the year

Read our full September House Price Report here.

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, Paul and Megan are joined by Mark Griffin MSP to discuss Scotland's Housing Emergency as well as the recent Housing Bill, the proposed Heat in Buildings Bill and his thoughts on how government should help first-time buyers.

Mark Griffin has been an MSP for Central Scotland (Region) since 2011. He is also currently Scottish Labour's Spokesperson for Housing and is part of several cross-party groups and sits on the committee for Local Government, Housing and Planning.

If you would like to find out more about anything we have discussed, please check out the following links:
About Mark Griffin
Housing (Scotland) Bill
Heat in Buildings Bill Proposal
Housing Emergency motion to amend

CHAPTERS:
0:00-1:16 Intro
1:16-2:03 Meet Mark Griffin
2:03-4:40 Scottish Labour's Motion to amend Housing Emergency
4:40-8:59 How can we fix the planning system?
9:00-13:24 What would Scottish Labour do for landlords?
13:24-15:34 Minimum EPC ratings and Heat in Buildings Bill proposal
15:34-19:38 How would Scottish Labour improve awareness of energy efficient heating systems?
19:38-23:22 Potential ways to help Scottish first-time buyers

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 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.