While Paul & Megan take a break for the summer months, we'll be dropping episodes from our "First-timers Club" mini series. It's the ultimate companion for first-time buyers in Scotland.

If you would like to watch the episode in video form, you can watch it on our YouTube channel here.

In this first episode Megan chats to ESPC Mortgages advisor, David Lauder, about the basics of getting a mortgage including what a mortgage actually is, why you may need one to get a property and what's involved in securing one.

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