Home Sweet Home Mortgage Services

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Home Sweet Home Mortgage Services

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Home Sweet Home Mortgage Services, Financial Consultant, 6 bank Street, Inverness.

Home Sweet Home Mortgages are based in Inverness and Fife, but we work with clients across the Scotland and the Uk and help arrange mortgages on properties in the UK. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Home Sweet Home Mortgage Services is a trading style of Inverness Mortgage Services Ltd which is an Appointed Representative of PRIMIS Mortgage Network,

a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.

Inverness Mortgage Services Ltd trading as Home Sweet Home Mortgage Services: Registered company number: SC698516, Registered in Scotland.

13/08/2026

🏡 LIFT IS NOW OPEN AGAIN! 🔑🏴󠁧󠁢󠁳󠁣󠁴󠁿

Great news for buyers across Scotland — the LIFT Open Market Shared Equity Scheme (OMSE) has officially reopened, with new property price thresholds for 2026/27.

But what actually is LIFT? 👇

LIFT is a Scottish Government shared equity scheme designed to help eligible buyers purchase a home on the open market when they can't afford the full purchase price themselves.

You fund as much of the purchase as you can through your mortgage and deposit, and the Scottish Government takes a shared equity stake in the property.

👀 Who could be eligible?
🔑 First-time buyers
🏠 Social renters
♿ People with a disability who can demonstrate a housing need
🎖️ Certain members and veterans of the armed forces
👤 People aged over 60 with a housing need

💷 New maximum property price thresholds are now in place across Scotland, and these vary depending on the area and size of property you're looking to buy.
So, if you've been looking at properties but thought buying was just outside your budget, it could be worth checking whether LIFT changes the numbers for you.
We can help you look at:

🏦 How much you could potentially borrow
💷 Your deposit and available funds
🏡 Your potential LIFT contribution
📍 The price limit for the area you're looking in
📊 What your overall buying budget could look like

📲 Want to find out if LIFT could work for you?

Book a free chat with Home Sweet Home Mortgage Services and we can look at your circumstances and mortgage options.

📧 [email protected]

homesweethomemortgages.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

26/07/2026

🤔 Thinking about getting a mortgage but convinced you'll be told no?
You're definitely not alone.

Every week, people get in touch worrying about things they think will stop them getting a mortgage...

❌ Being self-employed
❌ Having a less-than-perfect credit history
❌ Being a first-time buyer
❌ Having what feels like a "complicated" situation
❌ Asking too many questions

The reality is, these are some of the most common scenarios mortgage advisers deal with every day.
Every lender has different criteria, and what doesn't fit one lender could be perfectly acceptable to another. That's why it's so important not to make assumptions before taking advice.

At Home Sweet Home Mortgage Services, the focus is on:

✅ Understanding your circumstances
✅ Finding the lender that's right for you
✅ Explaining everything in plain English
✅ Making the process as straightforward as possible
✅ Helping you move forward with confidence

Whether you're buying your first home, moving house, remortgaging or you're self-employed, don't rule yourself out before finding out what's actually possible.

📲 If you've been putting off speaking to a mortgage adviser because you think you'll be declined, let's have a chat. You may have more options than you realise.

⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.

24/07/2026

🏡 Google can tell you about mortgages... but it can't tell you which lender is right for you.
With so much information online, it's easy to think finding a mortgage is just about comparing interest rates.

The reality? It's much more than that.

Every lender has different criteria, which means the right mortgage often depends on your circumstances, not just the headline rate.
A mortgage broker can help if you're:
✔️ Self-employed
✔️ A company director or contractor
✔️ Have previous credit issues
✔️ On a visa
✔️ Or simply want to make sure you're applying to the right lender first time

The biggest reason mortgage applications are declined isn't always affordability...

It's often because the application has been submitted to a lender whose criteria doesn't fit the applicant's circumstances.

That's where expert advice can make all the difference.

📲 If you're planning to buy your first home, move house or remortgage, get in touch with Home Sweet Home Mortgage Services for a friendly, no-obligation chat.

⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.

21/07/2026

🏡 The Scottish First Homes Fund IS OPEN
Let's Recap on what it offers....

If you're a first-time buyer in Scotland, now is the time to see if you could benefit from the £10,000 Scottish First Homes Fund.

💷 What does the scheme offer?

✅ A £10,000 equity contribution towards buying your first home
✅ Available to eligible first-time buyers purchasing a property in Scotland
✅ Designed to help make home ownership more affordable
For many buyers, the biggest challenge isn't the monthly mortgage payment – it's saving enough to get started. This scheme could help you take that first step onto the property ladder.

At Home Sweet Home Mortgage Services, we'll help you:
✔️ Check if you're eligible
✔️ Work out how much you could borrow
✔️ Review your affordability
✔️ Assess your credit profile
✔️ Explain how the scheme works alongside your mortgage
✔️ Find the lender that's right for your circumstances

Don't leave it until you've found a property. The sooner you're mortgage-ready, the stronger your position will be when you find the right home.

📞 If you're a first-time buyer and want to know whether the Scottish First Homes Fund could help you, get in touch with Home Sweet Home Mortgage Services today.

⚠️ Important Information
The Scottish First Homes Fund is subject to eligibility criteria and availability. A mortgage is required and is subject to status, affordability and lender criteria. Your home may be repossessed if you do not keep up repayments on your mortgage. Equity schemes are not suitable for everyone, and independent mortgage advice is recommended.

20/07/2026

🚨 We're Hiring! 🚨

Home Sweet Home Mortgage Services is looking for a Part Time Trainee Mortgage Adviser/ Administrator to join our friendly team in Inverness.

No previous mortgage experience? No problem! Full training will be provided.

This is a fantastic opportunity to start a rewarding career where you'll learn from experienced advisers, support clients through one of the biggest decisions of their lives, and develop the skills to progress within the industry.

We're looking for someone who is:

✔️ Friendly and professional
✔️ Organised and eager to learn
✔️ Great with people
✔️ Looking for a long-term career
✔️ Excellent communication and customer service skills
✔️ Strong organisational skills and great attention to detail
✔️ A positive attitude and a willingness to learn
✔️ Good IT skills and confidence using computers
✔️ A reliable, professional approach and the ability to work as part of a team

A genuine interest in property, finance or helping people achieve home ownership would be an advantage

If this sounds like you, or someone you know, we'd love to hear from you.
📍 Office based in Inverness

📧 To apply, please send your CV and a covering email telling us why you'd be a great fit to [email protected]

Please like, share and tag anyone who might be interested! 💙

24/06/2026

🏡 The First Homes Fund is now open!

The Scottish Government's new First Homes Fund could provide eligible first-time buyers with up to £10,000 towards purchasing their first home.

✅ Up to £10,000 contribution
✅ Available on properties up to £300,000
✅ No monthly repayments on the Government's contribution
✅ No interest charges on the Government's contribution
✅ Available on existing homes and new builds
The contribution is provided as shared equity, meaning the Scottish Government will own a percentage of the property equivalent to their contribution.
You may be eligible if:
✔ You're a first-time buyer
✔ You're buying a property to live in as your main home
✔ The property costs £300,000 or less
✔ You're taking out a repayment mortgage

The scheme could be particularly helpful if you can afford the monthly mortgage payments but need additional support towards your purchase.
If you'd like to find out whether you may qualify and how much you could potentially borrow, get in touch.

📞 01463 710151
📧 [email protected]
🌐 www.homesweethomemortgages.co.uk
⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage eligibility, affordability and lending criteria apply.

28/05/2026

🏡 NEW FIRST HOMES FUND COMING TO SCOTLAND 🏡

Big news for First Time Buyers 👏

The Scottish Government has announced that applications for the new First Homes Fund are expected to open by the end of June, helping eligible first-time buyers with up to £10,000 towards their deposit.

KEY DETAILS 👇
✔️ Up to £10,000 contribution towards your deposit
✔️ Available on properties up to £300,000
✔️ Open to first-time buyers across Scotland
✔️ Can be used for new build & existing homes
✔️ No monthly payments to the Scottish Government
✔️ No interest charged on the equity share
This new shared equity scheme is designed to help more people take their first step onto the property ladder — especially those struggling to save a large deposit 💙
📣 Demand is expected to be high, so get in touch now to get ahead of the crowd and start preparing early.
⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.

📧 [email protected]
📲 Book a free chat at www.homesweethomemortgages.co.uk/book-online
📞 Inverness: 01463 710151 | Fife: 01592 725370

12/05/2026

🚨 NEW £5,000 DEPOSIT MORTGAGE LAUNCHING 🚨

Saving for a deposit is one of the biggest hurdles for First Time Buyers — but a new mortgage scheme launching from 18 May could help eligible buyers get onto the property ladder with just a £5,000 personal deposit 🏡

KEY DETAILS 👇
✔️ Minimum £5,000 personal deposit
✔️ Available up to £300,000 purchase price
✔️ Employed & self-employed considered
✔️ No minimum income requirement
✔️ 5 year fixed rate options available
✔️ Free standard valuation included

This could be a fantastic opportunity for buyers who thought homeownership was still out of reach 💙

⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.

Want to see if you could qualify?

📧 [email protected]
📲 Book a free chat at www.homesweethomemortgages.co.uk/book-online
📞 Inverness: 01463 710151 | Fife: 01592 725370
📱 WhatsApp: 07777786814

11/05/2026

🏡 Thinking of investing in property?

It can be a great way to build long-term wealth – but knowing where to start makes all the difference 👇
In this reel, Alex shares 5 top tips to help you get started the right way.

💬 Got a question or want to explore your options? Drop us a message – we’re always happy to help.

08/05/2026

🏡 How does the mortgage process actually work?

If you’re buying a home, it can feel like there are a lot of steps… but it doesn’t have to be confusing 👇
In this reel, Alex breaks down the mortgage process from start to finish – so you know exactly what to expect at each stage.

💡 From your Agreement in Principle, to submitting your application, right through to getting your keys… it’s all covered.

✨ The key is knowing what’s coming next – and having the right support along the way.
If you're thinking about buying or just want to feel more prepared, this is a great place to start.

💬 Got a question or ready to get things moving? Drop us a message – we’re always happy to help.

Address

6 Bank Street
Inverness
IV11QY

Website

http://www.homesweethomemortgages.co.uk/

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