Bank of Scotland

Owning a home is one of the to do’s a number of customers would like to tick off their boxes. When you have a stable house under your name, you know that life tends to be a whole lot easier to live.

Saying yes to clients when it comes to their home loan applications is one of the joys of our occupation.

To us, we know that we have afforded customers the opportunity of being a homeowner. Getting a quick loan approved is not all there is, the client also has to ensure that they fulfil the credit requirements at all reasonable times.

Benefits of being a first-time buyer

One of the reasons why a number of customers don’t want to buy houses is because of the fees that are incurred in this option. There is a big misconception that you would be due to pay hefty amounts of money.

At the Bank of Scotland, we know that customers have other expenses to deal with it. The monthly repayments that are part of your home loan might be less than you had anticipated. This is one of the great perks of being a first time home buyer. If you would like to find out more about this option, visit our website or give us a call.

Fight your mortgage fears

We know how terrifying it must be to be a potential home buyer. There are a number of factors that come to mind. We will help you reach your optimum by giving you all the tips that will help you make a better and financially practical decision.

Approving home loans is what we do for a living. There should be nothing that sneaks up to you such as fear when you are aspiring to change your life for the greater good.

If you are already an existing customer with Bank of Scotland, you can visit our website to find out about the great financial deals that we have for existing clients from accounts to personal loans and savings options.

On the other hand, if you would like to become a customer with us, you can apply and we will take from there. A new client will not have as many benefits as an already existing customer. The more they grow into our organization, the more benefits they will start to reap.

Home loan application turned down?

It is important to remember that while you might have an excess of money after all your payments have been paid for, we need to look at your bank statements. The customer needs to be able to do the things they enjoy.

If we feel that you are already paying a number of credit items including a vehicle loan and other short term loans, we might decline your request. This doesn’t stop you from applying for a home loan in future. As long as you meet our requirements and have hefty money that serves as a reminder, we will help you.

Making use of the loan calculator

The loan calculator will help you be able to determine the amount you intend on applying for. The interest charges will also be inclusive so you will have the exact payment that will be due to you should you qualify for the property loan.

A number of customers make use of the option and it has helped them make better financial choices. We usually encourage our customers to only take the amount they need for a home loan and nothing else. This way, it will be easier and cheaper to pay off.