The recent reduction in the number of mortgage products on the market may mean that opting for smaller lenders could save money for those looking to buy a house in Scotland.
Some smaller building societies have better deals than the "big players" as a result of the current economic climate, according to moneysupermarket.com.
The financial comparison site has claimed that, due to the fact that building societies are able to fund what they are offering, they may be the best place to start when looking for good deals.
Louise Cuming, head of mortgage services at moneysupermarket.com, commented that, although the best buys are being offered by smaller businesses at the moment, it may be advisable to go for these offers sooner rather than later.
"You probably need to go to the smaller niche players, but it’s how long the smaller niche players can actually play in this market because they’ve only got limited funds and certainly building societies have got very strict regulatory rules on how much they can lend," she said.
Of the best 250 mortgages on the market, only 68 are offered by the top ten lenders, according to Moneyfacts.co.uk.