South Lanarkshire

Mortgage advice for
Blantyre.

Q: Can I buy in Blantyre before my current home sells?

It is possible, through bridging or by negotiating dates, but both have costs and neither should be the plan by default. The better answer is almost always to line up the dates during negotiation, which is why it is worth speaking to us before missives are concluded rather than afterwards.

Q: Is it cheaper to extend than to move?

Frequently, once you count LBTT, legal fees, the estate agent and the removal costs. We can compare the cost of borrowing more against the total cost of moving so the decision is made on figures rather than instinct.

Q: How long does a mortgage offer last?

Commonly around six months, though it varies by lender and some allow longer for new build. If you are buying off plan, the offer needs to still be valid at completion, so the lender is chosen with that date in mind.

Q: Do you cover Uddingston and Bothwell too?

Yes. We advise across the whole area, and the same advisers handle Blantyre, Uddingston, Bothwell and Hamilton.

Mortgage advice for Blantyre, High Blantyre, Auchinraith, Bardykes and neighbouring Uddingston and Bothwell.

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Blantyre sells on its commute. The station is on the line into Glasgow Central, the M74 is a couple of minutes away, and prices are lower than Bothwell next door — which has made it a steady choice for buyers who work in the city and want a house rather than a flat.

That has brought a good deal of new development alongside the older terraced and ex-local-authority stock, and a broad price range across a fairly small town.

Local knowledge

What comes up in Blantyre

Buying before you sell

A lot of Blantyre purchases are made by people moving out of a Glasgow flat. Getting the sale and the purchase to settle on the same day is the recurring difficulty, and the options for handling a gap are much better before missives are concluded than after.

New build and the offer clock

Where a plot is months from completion, the mortgage offer has to still be valid when it finishes. Some lenders allow considerably longer than others, and picking one of those at the outset avoids a second application.

A wide price spread in one town

Blantyre runs from modest terraces to substantial detached housing, and the LBTT position and deposit requirement change accordingly. It is worth pricing the whole move — tax, fees and deposit — rather than the mortgage alone.

Remortgaging rather than moving

A large share of our Blantyre work is people staying put and coming off a fixed rate, often releasing some equity for an extension rather than paying to move. That is usually the cheaper answer and we will say so.

What we can help you with in Blantyre

First time buyers Home movers Remortgaging Self-employed and company directors More complex circumstances Debt consolidation

Common questions

Mortgages in Blantyre

Can I buy in Blantyre before my current home sells?

Is it cheaper to extend than to move?

How long does a mortgage offer last?

Do you cover Uddingston and Bothwell too?

Also serving nearby

We advise clients throughout Scotland — these are the areas closest to Blantyre.

Mortgage adviser Hamilton Mortgage adviser East Kilbride Mortgage adviser Lanarkshire

High BlantyreAuchinraithBardykesUddingstonBothwellBurnbankHamilton

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Mortgage advice forBlantyre.