Hello everyone, my first post here, looking for some help and advice. I tried to find something which mirrored our situation but did not have much luck so please forgive me if I am duplicating anything answered before. My husband is American, with a residence permit for the UK, I am Scottish born and raised....we are currently renting here in Scotland, but if there was still a chance to buy in our advanced years we would like to very much. I am 68 and my husband is 74, (he's younger than Ringo Star or Mick Jagger) We have a total of 5 pensions between us......this was why we moved to Scotland as we figured we could afford it on our joint pension incomes. How would a building society, bank etc. look at us as good/bad risks? We would like a nice little home with space and a good garden for our Golden Retriever. Thank you all in anticipation and again I emphasise this is in Scotland as I know the laws are different.