Its latest figures revealed that Scottish house purchase lending rose significantly more than the UK as a whole, which experienced an increase of 26% in number, to 122,000, and 25% in value.

However, the CML noted that mortgage activity in Scotland remains low by historical standards, with the proportion of house purchase loans in Scotland remaining stable at 9% of the UK whole, unchanged since the end of 2010.

Loans to first-time buyers in Scotland rose 30% in Q2 to 4,300, up 37% in value to £384m, again ahead of UK-wide figures. First-time buyers accounted for 38% of all Scottish loans in Q2.

This group borrowed an average of 79% of their property’s value in Q2, up from 77% in the first quarter, compared to the UK average of 80%.

Meanwhile, home mover loans rose 37% in number to 7,000, up 44% in value to £905m in the second quarter. Home movers borrowed an average of 71% LTV, up 1% on the previous quarter and 1% more than the UK average.

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Remortgage activity remained almost static in Q2 in Scotland, compared to a fall across the UK. There were 8,900 remortgage loans taken out compared to 8,800 in the first quarter, while the value of remortgage loans remained the same at £900m.

Kennedy Foster, policy consultant for CML Scotland, said: “We have seen the expected seasonal increase in mortgage activity in Scotland in the second quarter of 2011, but levels of mortgage activity remain at low levels by historical standards.

“With the uncertain economic outlook we expect this to continue for the rest of the year.”