When considering a new mortgage, or looking for a Mortgage Broker in Edinburgh, you should consider Mortgage Time first! First Time Buyer in Edinburgh? Get your same day decision in principle! Are you fed up of paying rent and paying someone else’s mortgage/pension fund or are you still living at home and think it may be time to get on the property ladder? More than likely your own first-time buyer mortgage will be cheaper than rent, as rents are continually increasing year on year. It can be even cheaper if you are eligible for one of the first-time buyer schemes, for example, LIFT, Help to Buy Scotland or a 95% mortgage.