The raft of new specialist lenders opening their doors north of the border is predicted to have a material impact on home ownership levels in Scotland.
Elsewhere Stockport took the second spot overtaking regional leader Manchester which stood third.
Over the last decade rents have risen 22%, but inflation has risen 24% since 2008.
The expanded range includes two, five and 10-year fixes up to 85% loan-to-value (LTV).
The IHS Markit/CIPS UK Construction Total Activity Index posted its second-highest level in 16 months at 53.2 in October, up from 52.1 in September.
Vida Home Loans has withdrawn from the second charge space following its entrance earlier this year.