An Ayrshire mortgage advisor admits the country's economic turmoil has left him feeling more like a counsellor to worried clients.
Top broker Andrew Lindsay heads an independent firm helping first time and experienced buyers alike to find their dream homes.
But after the fall-out of last Friday's mini-budget that has sent markets into freefall, his phone has been ringing off the hook for other reasons as customers hit the panic button ahead of their big moves.
However, Andrew insists the chaos sparked by Prime Minister, Liz Truss, and Chancellor, Kwasi Kwarteng, will not stop families from going about their business.
He told Ayrshire Live: "A lot of the figures being quoted around potential mortgage rises are spooking people — they are turning on the telly and are terrified.
"It is a worrying time, there's no question, but you'd be forgiven for thinking there were no mortgages on offer at the moment and that the marketplace had collapsed. That simply isn't true.
"The reality is that we deal with more than 120 lenders around the UK. They pull products every single day so that is nothing new. But you never get to hear about that.
"Because a couple of the bigger firms have taken evasive action with a limited number of their products at the moment, it is making big headlines.
"As a result my phone is ringing off the hook with people panicking. But I'm being clear with them that this will settle — it has to."
Andrew, who leads a team of four at his firm, added: "Back in the crisis of 2008, you had 110 per cent mortgages being offered and that is when people got into big trouble.
"As an example, if you're living in an ex-council house and your mortgage payments now go up, yes you are going to have to adjust certain things about your budget.
"But a lot of the figures you'll see quoted on the telly at the moment are about mortgages rising from sums like £900 per month to £1,200 per month and that's what is scaring people.
"Interest rates will rise but I don't think it will get to the stage of 15 or 20 per cent like in our parents' generation.
"We need to realise that people are still buying houses, mortgages are still being offered and this will settle."
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