The differences in Scotland
Applying for a mortgage in Scotland is almost exactly the same as applying for one in the rest of the UK, apart from one main difference.
Before making an offer on a property in Scotland, you have to be sure that the lender is willing to advance you enough money to pay the purchase price. This is because when an offer on a property is accepted and all the terms of the offer on a property are agreed to, a legally binding contract is created, tying both the buyer and the seller to the sale. If the transaction, usually conducted by a solicitor, is not competed for any reason, then you could be liable for any loses that the seller suffers. Therefore it is extremely important to have your finances sorted out from the very beginning.