First Time Buyers

First time buyers guide: Steps to buying your first home

Thinking of taking your first steps on the housing ladder?

Congratulations! Buying your first home is an exciting time but it can be stressful especially if you’re not working with the right team. After all, this is real grown-up stuff and solicitors insist on using legal terms and worse… Latin! Here at maloco mowat parker we’re determined to make the process easy, transparent and, yes, even fun!

With many years of award-winning experience, we’re the friendly face you’re looking for and best of all your first meeting is totally free of charge.

How much deposit do I need as a first time buyer?

There’s a lot to consider when it comes to finances. Whether you’re looking for advice on how much you can borrow, how much of a deposit you’re going to need or how various Government help schemes work, we’re here to help. We’ll also make sure you understand all of the costs involved be it our fees, the outlays you’ll incur such as land registration dues and where applicable Land and Buildings Transaction Tax (LBTT).

How to get a mortgage as a first time buyer?

So many deals and so much information. How much can you afford to borrow? Should you go for a fixed rate? 2 years? 3 years? 5 years? More? Tracker? Variable? It can all get a bit overwhelming and not all the best deals can be found on the High Street or online. Some of the very best deals are reserved for specialist mortgage broker networks. maloco mowat parker can help by putting you in touch with one of a number of tried and tested brokers we’ve worked with over the years ensuring you get the best advice and the best deals available and know exactly how much you can borrow and the monthly costs involved.

What are the costs to consider when buying a home?

The last thing you need when working to a budget are nasty surprises. We’re committed to providing friendly professional advice at a fair price. Transparency is important to us which is why right at the outset we’ll give a detailed written estimate of all of the fees and outlays you’ll incur such as land registration dues and where applicable Land and Buildings Transaction Tax (LBTT).  You can find out more about our pricing policy here (Link to pricing policy)

What can we do for you?

So many deals and so much information. Don’t get lost in the mortgage maze, call us today and we’ll put you in touch with one of a number of tried and tested independent mortgage brokers in Dunfermline with access to the very best deals on the market today. And let’s not forget the most exciting part, finding your dream home!

Speak To Us Today

Are you a first time buyer in Dunfermline?


What is a Power of Attorney?
A legal document is signed by you at the present time, designating a trusted individual to make choices on your behalf in case you become incapable of making such decisions for yourself in the future.
Why should I make a Power of Attorney?
A Will guarantees the allocation of your assets based on your desires upon your demise, while a Power of Attorney safeguards your wealth during your lifetime. Having a Power of Attorney is equally vital as having a Will – it’s essential for everyone to possess one.
Is there a limit to how many people I have as my Attorney?
No, there is no limit to the number of individuals you can appoint as your attorney, provided they are at least 16 years of age. However, you need to specify if they should collaborate or act independently when making choices for you.
When does a Power of Attorney start?
You can grant your attorney(s) the power to manage your financial affairs immediately upon registering the document, or you can withhold this authority until you’re mentally incapable of making your own choices. The ability to make welfare decisions can only be exercised when you’re unable to decide on your own well-being.
Can I amend or cancel my POA?
Yes, for as long as you are able to make decisions, you can amend your POA at any time. As long as you have mental capacity you can also cancel your POA at any given time.

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