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The ESPC Show is the podcast to listen to if you're interested in any part of the Scottish property market! Each week we'll dive into a topic and share all that you need to know about it. Our promise is to provide honest, jargon-free and data driven advice from informative expert guests. Covering everything from buying a home in Scotland for the first time to investing in a rental property, The ESPC Show is the perfect audio companion. ESPC is the home of property in Edinburgh, the Lothians, Fife, the Scottish Borders, Dumfries and Galloway and the West of Scotland. We are so much more than a property portal though, we provide mortgage advice through ESPC Mortgages and a full lettings management service with ESPC Lettings, as well as a wide network of solicitor estate agent member firms and a host of Scottish property advice.
72 Episodes
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We're back for a bonus episode! Paul breaks down what he expects to see in the property market across Edinburgh, the Lothians, Fife and the Scottish Borders in 2025. From what's going to happen to interest rates, house prices and selling times, plus much more!Skip to your favourite part:0:00-0:43 Intro0:43-3:42 The future of interest rates in 20253:42-5:30 An increase in property sales5:30-6:36 Paying a premium on properties6:36-8:15 Listings and stock on espc.com8:15-9:19 How VAT on pri...
In the season finale, Paul & Megan are joined by Jan from Hastings to discuss the local market in the Scottish Borders. They discuss how the market has changed since 2020, reasons to live south of Edinburgh and how English stamp duty changes may affect the market. Skip to the part that's relevant to you:Got a question for us? Send us a text message! Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on marketing@espc.com or via our social m...
On this week's episode of the podcast, Paul & Megan chat to Andy Lewis (John Scott Davidson Ltd) explains what the current rules are around inheritance tax in the UK including when it is payable, who is liable to pay it and some tax efficient measures to take. Skip to the part most relevant to you: 0:00-1:44 Intro1:44-4:27 What is inheritance tax? 4:27-8:48 Who pays inheritance tax?8:48-11:00 Inheriting property11:00-12:40 Discussing inheritance with family12:40-13:52 If y...
In this week's episode, Megan & Paul chat to Elaine Kyle (Morgans) and Michael Maloco (Maloco Mowat Parker) about the local market in West Fife. They discuss the affordability of the area, their Fife hidden gems and what the 2025 property outlook is for the area. Skip to the bit most relevant to you:0:00-1:10 Intro1:40-4:41 Where are the key areas in Fife?4:41-6:30 How is the West Fife property market performing?6:30-9:24 Managing seller expectations9:24-11:14 Reasons to live in...
On this week's episode Paul & Megan chat to Alistair Ewing (Managing Director at The Lending Channel) about bridging finance.What is bridging finance? It's a form of borrowing that allows property buyers to fund their purchase while they put their current home on the market. Skip to the part that's relevant to you:0:00-1:48 Intro1:48-2:45 What is a bridging loan?2:45-3:26 Why are they less common now?3:26-4:16 Are bridging loans expensive?4:16-5:06 What's the average term for a bridg...
In this week's episode, Megan & Paul chat to Amy Howard from Neilsons and Lisa Connolly from McDougall McQueen about the local market in Midlothian. They discuss the booming market in Bonnyrigg, why you should invest in Gorebridge and what the 2025 property outlook is for the area. Skip to the bit most relevant to you:0:00-1:32 Intro1:32-4:50 Where is Midlothian?4:50-6:57 Midlothian's property market 6:57-9:10 Property hotspots in Midlothian9:10-11:50 Second hand new build ...
In this week's episode, Megan & Paul chat to Jamie Sole from Blair Cadell about the current property sales market in Edinburgh.Jamie gives advice to local sellers on how to prepare for a valuation, tips for conducting property viewings as well as an outlook on the best time to sell. Skip to the bit most relevant to you:0:00-0:47 Intro0:47-5:47 The dos and don'ts of selling your property 5:47-8:35 Should you sell first or buy your next home first?8:35-11:00 Sell now or hold off u...
In this week's episode, Megan & Paul chat to Graham White from Anderson Strathern about the local market in East Lothian. They discuss the lack of "for sale" property, what's in demand and how the market differs in East Lothian from Edinburgh. Skip to the bit most relevant to you:0:00-0:38 Intro0:38-1:45 Property market activity in East Lothian 1:45-2:31 Sub-markets across East Lothian2:31-3:22 Most in-demand East Lothian properties3:22-4:23 Prices being achieved in East Lo...
In this week's episode, Megan & Paul chat through the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders.They chat with David Marshall (Warners), Caitlin Keegan (Gillespie Macandrew) and Tracey French (ELP) about purchasing subject to sale, the increase of property chains and good news for first-time buyers. Skip to the bit most relevant to you:0:00-0:35 Intro0:35-1:00 Meet our guests1:00-3:07 What happened in Q3?3:07-3:56 How long does it take ...
In this week's episode, Paul and Megan are joined by Mark Griffin MSP to discuss Scotland's Housing Emergency as well as the recent Housing Bill, the proposed Heat in Buildings Bill and his thoughts on how government should help first-time buyers. Mark Griffin has been an MSP for Central Scotland (Region) since 2011. He is also currently Scottish Labour's Spokesperson for Housing and is part of several cross-party groups and sits on the committee for Local Government, Housing and Planning.If ...
In this week's episode of the ESPC Property Show, Paul & Megan are joined by their ESPC Mortgages colleagues, Paul Demarco and Lisa Bell to discuss the current mortgage market and what home movers can expect to see in their mortgage deals. CHAPTERS:0:00-0:30 Intro0:30-2:10 Working out how much money you can borrow2:10-3:14 Calculating affordability3:14-5:07 How do children and pregnancy affect your mortgage eligibility?5:07-6:21 How to find out what your credit score is6:21-7:57 How ...
On today's episode, Paul & Megan are joined by Michelle Robinson from Snugg to talk all about how to make your home in Scotland more energy efficient. Throughout the episode we focus on things like the Scottish Government's Heat in Buildings Bill, what retrofitting is and learn how EPC ratings affect your carbon footprint. Snugg is an easy-to-use online platform that makes researching and improving your home’s efficiency a straightforward process. Simply input your postcode into Snugg's o...
In this week's episode of the ESPC Property Show, Paul & Megan are joined by Sally Nash & Aimee Orrock from Gilson Gray to discuss what happens during the divorce process in Scotland and how property can be divided when a couple separates.You can find out more about Gilson Gray here.CHAPTERS0:00-1:47 Intro1:47-4:03 What's the first thing to do with your property during a separation?4:03-5:20 Do reconciliations happen during separation discussions?5:20-7:13 Who gets what in a div...
On this week's episode Paul & Megan are joined by returning guest Nicky Lloyd from ESPC Lettings to discuss the current rental market in Edinburgh. In the episode, they discuss what landlords biggest concerns are right now, the new rules around increasing a tenant's rent and the best postcodes for investment in Edinburgh. You can find out more about ESPC Lettings here.CHAPTERS: 0:00-1:01 Intro1:01-2:31 Current Edinburgh rental market2:31-6:15 How to appeal any rent increases in Scotl...
Welcome back to the ESPC Property Show! After their summer break, Paul & Megan are back to talk all things property for another season. In this first episode back, they look back at Paul's predictions for the year and how many came true including whether or not buyers are getting a better bargain now, and then they chat through what they missed during the break - a new government in Westminister, the future of cladding and of course the performance of the local property market. And Paul w...
Join Paul and Megan for the season finale of the ESPC Property Show, recorded from the luxurious Old Course Hotel in St Andrews. They are joined by Lynsey Dammer and Douglas Kinnear from Thornton's estate agents to delve into the unique charm of the St Andrews property market.Discover why this historic town, known for its university and golf, remains a top choice for home buyers and investors. From property types in high demand to the impact of student housing regulations and the boomin...
Welcome back to the ESPC Property Show! In this episode, Paul and Megan continue their insightful roundtable discussion with experts from three ESPC solicitor estate agent member firms.Delving into the political side of the housing market, they explore the impacts of rent caps, taxation, and offer potential solutions for first-time buyers in Scotland. Our guests discuss the unintended consequences of current policies, the challenges landlords face, and the broader implications for tenants and...
Welcome back to the ESPC Property Show! In this episode, hosts Megan and Paul are joined by industry experts Matthew Gray, Amy Howard, and Derek Brien to provide valuable insights for home buyers in Scotland. This comprehensive discussion covers the current property market trends, factors influencing property sales, and advice for navigating the purchasing process. They delve into market performance, the impact of seasonality, and offer predictions for the next six months. Whether y...
In this episode of the ESPC Property Show, hosts Paul & Megan are joined by Kate Polson, the CEO at Rock Trust, a charity dedicated to preventing youth homelessness.They delve into the critical issues surrounding youth homelessness in Scotland, discussing the innovative programs Rock Trust offers to support young people in crisis. Kate shares insights into the challenges faced by these individuals and the multifaceted approach Rock Trust takes, including education, accommodation, and...
In this episode of the ESPC show, we dive into the world of new build homes in Scotland. Join us as we chat with Hazel Davies from Cruden Homes and Kim Newbigging from Cala Homes Scotland. They share valuable insights into the new build purchasing process, discuss the benefits of buying a new build, and answer key questions prospective buyers might have. Whether you're a first-time buyer or looking to invest in a new property, this episode provides essential information to help you navigate t...
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