Local knowledge matters. We help Howgate homebuyers and investors find the perfect mortgage deal with zero jargon and 100% personal support.
Buying property in Howgate is unique. Whether you are looking for a modern family home or a character property, you need a broker who understands the local market and how to navigate it.
Average Property Price: £345,000
Year-on-Year Change: +3.8%
Average Time to Offer: 35 days
Detached farmhouses, rural cottages, and country houses dominate. Limited stock means prices reflect scarcity. Detached homes and cottages from £300,000-£600,000+. Properties with land or outbuildings command significant premiums. Rare semi-detached properties from £250,000-£330,000.
A small, genuinely rural village in the Pentland Hills foothills, Howgate is for buyers who truly value countryside living. The famous Howgate Inn has been a local landmark for generations. The surrounding farmland and hills provide outstanding outdoor recreation. Properties are set in real countryside with birdsong and open skies rather than suburban green. Very quiet, very private, and increasingly sought-after by Edinburgh professionals seeking balance.
Professionals and families seeking genuine rural living within commuting distance of Edinburgh. Buyers upgrading from Penicuik or Edinburgh who want space, land, and peace. Second home buyers attracted by the Pentland Hills setting. Strong demand for properties with substantial gardens or land.
A702 provides direct access to Edinburgh (25-30 minutes) and to Penicuik (5 minutes). Regular bus services to Penicuik connect to Edinburgh bus routes. Car ownership is essential for daily living. The rural A-road location gives practical commuting despite the countryside feel.
Secondary pupils attend Penicuik High School. Primary options in nearby Penicuik and Roslin. The rural setting means some school runs are necessary, but Penicuik's range of schools is within close reach.
Higher entry point reflecting rural character and scarcity. Target smaller cottages and semi-detached properties from £250,000-£300,000. Budget 10-15% deposit. Rural properties require thorough Home Report surveys — check septic tanks and drainage. Properties take longer to sell (35 days) — use that time for due diligence. The Pentland Hills lifestyle is genuinely rare within 30 minutes of Edinburgh.
Whatever your property goals in Howgate and the surrounding Midlothian area, we have the expertise to help.
A mortgage broker in Howgate compares deals from across the whole market to find the best rates for your situation. We handle the paperwork, liaise with lenders and solicitors, and guide you through every step — saving you time and potentially thousands of pounds.
We offer the full range of mortgage products for Howgate buyers: first-time buyer mortgages, remortgages, buy-to-let, home mover mortgages, and specialist lending for self-employed or bad credit applicants. We search the whole market for competitive rates.
The average property price in Howgate is currently £345,000, with prices changing by +3.8% over the past year. Contact us for a personalised affordability assessment.
Your initial consultation with McGhie Mortgages is completely free and comes with no obligation. We'll discuss your situation, answer your questions, and explain your options before you decide to proceed.
"Marc has been immense guiding us through our mortgage journey. We are so grateful for the way he explained everything in a manner that made everything so easy to understand. I would not hesitate to recommend him to friends and family."
— Steve Miller
"Marc and his team offer a reliable service, quick response time and good advice. I’ve been using Marc’s services for 5 years and will continue to do so for the foreseeable future."
— Stephen Rudge
"Marc was brilliant in helping us understand the process involved in buying our first house. He was friendly, supportive and informative throughout the process and was incredibly helpful in settling our nerves."
— Tom C
Looking for mortgage advice in a nearby area? We serve all of Midlothian.