Simple Approach Mortgages

🏆✨ A little more good news to share! ✨🏆

We’re absolutely delighted to have been named Silver Winner– Letting Agent in Scotland for 2025–2026! 🥈🎉

This comes shortly after winning Gold for Perth & Kinross at the British Property Awards 🥇🏡, and we couldn’t be prouder! 🙌

A huge thank you to our fantastic team 👏, our valued landlords 🏠, and our wonderful tenants 🤝 for your continued support.

We genuinely appreciate everyone who puts their trust and confidence in us. 🧡🧡🧡🧡

Getting a mortgage so you can buy your home is one thing! Protecting yourself and your family so you can remain in your home is Vitally Important🧡

We can provide bespoke advice to fit your needs and that of your family to ensure should thee unexpected happen you have a financial safety net.

Simple Approach Mortgages provide advice on the following areas-

Income Protection – One of the most important areas of protection mostly overlooked. If you do not get paid from your employer if you are unable to work due to sickness or injury, how do you pay your essential bills?
This type of cover pays out a monthly benefit to ensure you can cover the essentials while you are off and will stop on your return to work or end of your benefit period. Do you know what your sick pay entitlement is from your employer?

Mortgage Protection – Ensures your mortgage I repaid in the event of death or earlier critical illness.
This type of cover protects you and your family if the worst happens can take the financial burden of a mortgage away at a time of stress and ill health.🏡

Family Protection – Provides a monthly benefit or lump sum in the event of death or critical illness to support dependents whilst they are financially dependent on you and ensures there is a financial payment to help with the costs of raising a family🧑‍🧑‍🧒‍🧒

Buildings & Contents Insurance – Protects the structure of your home and your belongings.

If you have some or all of the above policies in place, when was the last time you reviewed those? Has your circumstances changed since setting these up and they now need reviewed or have you not got around to putting any protection in place.

Why not contact Simple Approach Mortgage to find out more and we will be happy to provide you with a free no obligation full protection review.🧡✨🏡

We look forward to hearing from you.

📞- 01738 502 445
✉️- [email protected]

Simple Approach Mortgages - Keeping Mortgages Simple🏡✨🧡

It’s been a busy few weeks here at Simple Approach Mortgages, which means we’ve been a little quiet on our social media ! 🏡

We’ve been busy helping clients with their mortgage applications and supporting lots of people on their journey towards homeownership.

We’ve also been keeping up with all the latest mortgage schemes and opportunities available — and there’s one in particular we want to remind you about…

The Scottish Government LIFT Scheme is NOW OPEN for new applications for 2026–2027! ❗️❗️❗️

If you’re a First Time Buyer or Social Renter hoping to get onto the property ladder, we’d love to hear from you.

Please call us now to get booked in.

This could be the year you are a homeowner. 🏡✨

📞- 01738 502 445
✉️- [email protected]

Simple Approach Mortgages - Keeping Mortgages Simple🏡✨🧡

As a last resort a lender can repossess your home if you do not keep up with your monthly mortgage repayments

Simple Approach Mortgages Perth & Dundee Ltd is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of First Complete.

Amazing news for First Time Buyers and Social renters❗️❗️❗️

SCOTTISH GOVERNMENT LIFT SCHEME IS NOW OPEN FOR NEW APPLICATIONS FOR 2026 - 2027.

Please call us now to get booked in.

This could be the year you are a homeowner.

📞- 01738 502 445
✉️- [email protected]

Simple Approach Mortgages - Keeping Mortgages Simple🏡✨🧡

**As a last resort a lender can repossess your home if you do not keep up with your monthly mortgage repayments**

Simple Approach Mortgages Perth & Dundee Ltd is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of First Complete Ltd.
First Complete Ltd is authorised and regulated by the Financial Conduct Authority.

🔑 FIRST-TIME BUYERS — NOW IS THE TIME TO GET PREPARED!

The Scottish Government’s Shared Equity LIFT Scheme is expected to open for applications this year, with the official opening date still to be announced.

The scheme offers 10%–40% towards the purchase of your new home through an equity share, and with the potential for a HUGE response when applications open, getting prepared now could put you in the best possible position. 👀

✨ Be ready to apply as soon as applications open!

🏠 Get Ready. Get Steady. Get Homeowner Ready!

Here’s how you can get ahead:

✅ Book an appointment with the Simple Approach Mortgage Team�✅ Understand the scheme and find out whether you could be eligible�✅ Check your credit status & affordability�✅ Establish your maximum borrowing capacity�✅ Obtain a Decision in Principle

📢 Once applications officially open, we’ll be ready to act quickly and submit your application on your behalf — helping you avoid unnecessary delays.

Don’t wait until applications open to start getting ready!

📞 Call or email Simple Approach Mortgages today to secure your appointment.

We look forward to helping you take the next step towards becoming a homeowner! 🏡🔑

📞- 01738 502 445
✉️- [email protected]

Simple Approach Mortgages - Keeping Mortgages Simple🏡✨🧡

**As a last resort a lender can repossess your home if you do not keep up with your monthly mortgage repayments**

Simple Approach Mortgages Perth & Dundee Ltd is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of First Complete Ltd.
First Complete Ltd is authorised and regulated by the Financial Conduct Authority

A huge thank you to our wonderful client, George, for dropping off these thoughtful gifts earlier this week!🫶🏼✨

Our job here at Simple Approach is about so much more than arranging mortgages – it’s about helping people achieve their dream of owning a home.🏡

Thoughtful gestures like this remind us why we love what we do and make it all the more rewarding.👏

Thank you, George, for your generosity and for trusting us to be part of your home-buying journey. We wish you nothing but happiness in your new home!🧡
 
If you, or someone you know is interested and looking for some advice, pop us an email or give us a call and speak to a member of our lovely team🧡🏡✨

📞- 01738 502 445
✉️- [email protected]

Simple Approach Mortgages - Keeping Mortgages Simple🏡✨🧡

🚨 Last-Minute Mortgage Appointments Available Tomorrow! 🏡

Due to a few reschedules, we now have same-day mortgage appointments available tomorrow with our experienced mortgage advisor.

💭 Been thinking about speaking to a mortgage adviser?�⏰ Got a bit of spare time tomorrow?�✅ We have appointments ready and waiting!

Whether you're a first-time buyer, moving home, remortgaging, or just want to explore your options, we're here to help.

📞 Give us a call, send us a message on Facebook, or simply drop a comment below and we'll get you booked in before the spaces are gone!

📞- 01738 502 445
✉️- [email protected]

Simple Approach Mortgages - Keeping Mortgages Simple🏡✨🧡

Happy Monday🧡

We hope you have all enjoyed your weekend and are refreshed for your week ahead. 👍

ARE YOU THINKING OF MOVING 🏡🧡🔑

The Simple Approach Mortgage Team work hard to create a relationship of professionalism and trust with our clients so we can help our clients now and in the future through life's changes.

Moving home can be daunting and getting the right advice is essential not only to secure the best rate but to have someone ensure you have thought about your future plans and goals and ensure the decisions you make now will not have a negative impact later.

Here is how we help our clients achieve this

🧡 Assess the costs of moving home

How do we do this? We look at your current property value and your current mortgage balance. We work through all the costs involved in buying and selling i.e. Estate agency fees, solicitors fees, any stamp duty and whether you want to repay any debt from equity. We can advise if this would be suitable and beneficial for you.

🧡 Assess your affordability to purchase your new home

How do we do this?

After working out the cost of moving we can then confirm what equity (profit) you will have to put towards a new home. Do you have savings you want to use to reduce the borrowing need? Once we have done this we then look at your income and outgoings and assess your ability to be able to borrow what you need.

🧡 Obtain a Decision in Principle

We can apply for a decision in principle for you with a lender that suits your needs and criteria. This provides you with confidence to move forward and confidently offer on properties.

🧡 Next step is to arrange a valuation of your property and get you on the market.

How do we do this?

This is where our expert Estate Agency comes in!! They will visit you at your property and provide a market valuation and a straight forward process of getting your home on the market as soon as possible.

🧡 We can refer you to a local solicitor if you do not already have one. It is important to have your solicitor in place early to ensure you can move quickly on an offer.

Simple Approach Mortgages will work with you and all parties involved in the process to ensure a smooth moving process for you.

Please see some of our clients reviews to read what they had to say about our service. ⭐️⭐️⭐️⭐️⭐️

Why not call today if you are thinking of moving and we will be happy to have a wee chat with you.

We have available appointments this week so be sure to book in before they are gone!

📞 - 01738 502 445
✉️- [email protected]

Simple Approach Mortgages - Keeping Mortgages Simple🏡✨🧡

**As a last resort a lender can repossess your home if you do not keep up with your monthly mortgage repayments**

Simple Approach Mortgages Perth & Dundee Ltd is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of First Complete Ltd.
First Complete Ltd is authorised and regulated by the Financial Conduct Authority.

Is having a lack of savings holding you back from becoming a homeowner? 🏡

Or just not having enough income for the borrowing you need? 💷

Did you know if you have been renting for more than 12 months 🗓️ and have no arrears ✅ and a decent credit history 📊, you can apply for a mortgage with no deposit? 🙌

If you have been saving hard and have £5,000 in the bank but still do not feel you have enough for your ideal first home 🏠, you can borrow up to 99% against the value of a property! 📈

For example:
£200,000 property with a £5,000 deposit = £195,000 borrowing @ 97.5% loan to value 📑

This is ideal if you have a good credit history and income but are struggling with the deposit.🧡

Did you know that your family and friends 👨‍👩‍👧‍👦 can help you by utilising their income for affordability and borrowing, but not be legal owners? ✨

This helps those starting out on lower incomes 📉 or those separating and unable to secure the borrowing they need on their income alone.

This is called a Joint Borrower Sole Proprietor mortgage 📝🔑

You own the property, but up to 4 people can help you secure the finance by using their income as support.🏡

The mortgage can be paid by one person 💳, but the joint borrowers are equally responsible from the lender’s point of view ⚖️.
In terms of ownership of the property, there is just one single owner.

There are lots of solutions depending on your individual circumstances, and we will always try our best to place you with a lender that suits your needs !🧡

Don’t give up…
Give us a call instead 📞 and see if we can help you make homeownership a reality 🏡

📞- 01738 502 445
✉️- [email protected]

Simple Approach Mortgages - Keeping Mortgages Simple🏡✨🧡

**As a last resort a lender can repossess your home if you do not keep up with your monthly mortgage repayments**
 
Simple Approach Mortgages Perth & Dundee Ltd is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of First Complete Ltd.
First Complete Ltd is authorised and regulated by the Financial Conduct Authority.

Simple Approach Mortgage team hope everyone had a gorgeous weekend in the sun, long may this glorious weather last! ☀️

The weather is as changeable as the global economic outlook from one day to the next!🌍

Speaking to a professional Mortgage Advisor is now more important than ever if you are thinking of purchasing a property!🤔🏡

At Simple Approach Mortgages we can help guide you through the current uncertainty of rates and ensure that you get tailored individual advice that suits your needs and anticipated future plans✨🤩🧡

If you are thinking of moving, getting your mortgage advice first is the way to go. You can then be sure of your budget and costs of moving and ensure you can obtain the finance you need.

Mortgage advice should be planned in at the same time you arrange a valuation of your property and why not use Simple Approach to take all the stress out of this process as we can offer both!🏡🔑✅

Please get in touch and have a chat with us today!

📞- 01738 502 445
✉️- [email protected]

Simple Approach Mortgages - Keeping Mortgages Simple🏡✨🧡

**As a last resort a lender can repossess your home if you do not keep up with your monthly mortgage repayments**

Simple Approach Mortgages Perth & Dundee Ltd is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of First Complete Ltd.
First Complete Ltd is authorised and regulated by the Financial Conduct Authority.