I’m Mike Erskine, Director of Lettings at Cox & Co. I have worked with the company for 12 years,building extensive experience across Scotland’s private rented
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Whether it’s a coastal escape, a countryside retreat, or a smart investment, buying a second home in Scotland can be incredibly rewarding.
But in 2026, it’s important to understand how the process differs from your first purchase – particularly when it comes to tax, financing, and long-term planning.
If you’re buying a home in 2026, you might be wondering whether to go directly to a lender or use a mortgage advisor.
While arranging a mortgage yourself is possible, having expert support can make the process quicker, smoother, and often more cost-effective.
Scotland continues to attract growing interest from overseas property investors, particularly from the
United States. As we move through 2026, favourable currency conditions, strong rental demand and
Scotland’s stable legal framework are making it an increasingly compelling destination for US
citizens looking to invest in UK property.
As we begin 2026, there’s cautious optimism across the Scottish property market. Mortgage conditions have continued to stabilise following the volatility of recent years, and for many buyers, the outlook is more positive than it has been since 2022.
Whether you’re a first-time buyer, moving home or considering an investment purchase, here’s what the latest mortgage landscape means for you – and how to approach your next move with confidence.
As we begin 2026, there’s cautious optimism across the Scottish property market. Mortgage conditions have continued to stabilise following the volatility of recent years, and for many buyers, the outlook is more positive than it has been since 2022.
Whether you’re a first-time buyer, moving home or considering an investment purchase, here’s what the latest mortgage landscape means for you – and how to approach your next move with confidence.
If you’re buying your first home in Scotland, you’ll quickly come across something called the Home Report. While it may seem daunting at first, the Home Report is designed to give buyers clear and helpful information about a property before they make an offer.
This guide explains what a Scottish Home Report is, what it includes, and how first-time buyers can use it with confidence.
Student property remains a popular investment choice, and in 2025 Scotland continues to offer strong opportunities for landlords seeking reliable rental demand. With respected universities, a growing student population, and ongoing housing shortages in key cities, student accommodation continues to play an important role in the Scottish rental market.
Renting out your property in Scotland can be a smart financial move – but only if the home is fully prepared, legally compliant, and presented in a way that attracts the best tenants.
To make things simple, here’s a step-by-step guide to getting your property rental-ready in 2025.
And remember – Cox & Co can take care of every step on your behalf, ensuring a smooth, stress-free experience from day one.
