Your Scottish Mortgage Journey Made Simple
As trusted Scottish mortgage advisers, we work with clients across Glasgow, Edinburgh, Aberdeen, Dundee, and nationwide. Clear, independent advice with no pressure, no call centers, and no jargon.
£495
Non-Complex
£695
Complex
£995
Enhanced
Speak directly to our expert advisers. Appointments available same-day or evening to fit your schedule. Fees are payable on submission of your full mortgage application and depend on case complexity.
Your Journey With Us
Whether you are buying your first home in Scotland, remortgaging, or expanding your portfolio.
Book Your FREE Call
Complete our quick online form or phone us directly. Choose a date and time that fits around your job and family commitments.
Get Independent Advice
We search over 90 lenders to find the exact mortgage deal that fits your income and goals, explaining every detail with total transparency.
Paperwork To Keys
We manage the full application, underwriters, and solicitor updates right through until you receive the keys to your new home.
Advice For Every Client
Explore our comprehensive range of mortgage and insurance services.
First Time Buyers
Step-by-step guidance for getting your first keys in Scotland. We calculate deposit requirements, Land & Buildings Transaction Tax (LBTT), and secure decisions in principle.
Remortgage
Is your current deal expiring? Switch rates or unlock cash equity. We scan 90+ lenders to find better interest rates and save you money monthly.
Home Movers
Seamlessly transition from your current mortgage to your dream home. We coordinate your sale and purchase timelines to avoid financial stress.
Bad Credit Mortgages
CCJs, defaults, missed payments or IVAs? Don't panic. We work with adverse credit specialist lenders who look at your current situation, not past history.
Buy To Let
Expand your property portfolio with competitive BTL mortgages for Scottish landlords, Limited Company SPVs, and HMO properties.
Commercial Mortgages
Funding for commercial premises, owner-occupied business sites, industrial units, retail, office developments, and land purchases.
Complex Mortgages
For contractors, business directors, complex income streams, multiple income sources, and unique property builds across Scotland.
Equity Release
Unlock tax-free cash tied up in your home without having to move. Flexible lifetime mortgages for comfortable retirement and family gifting.
Insurance & Protection
Safeguard your family and property with tailored Life Insurance, Critical Illness Cover, Income Protection, and Buildings & Contents Cover.
Brokers vs Banks
One conversation with us searches the whole market.
One conversation with a bank only ever shows you their own deals.
How The Scottish System Works
Scottish property law is different from the rest of the UK. Here is what to expect, from the Home Report to concluded missives, and how we guide you through each stage.
The Home Report
Every Scottish home for sale must come with a Home Report, including a single survey, an energy report and a property questionnaire.
Offers Over & Bidding
Scottish properties are marketed 'Offers Over' a guide price. The closing date system means competing sealed bids, not haggling.
Missives & Conveyancing
The 'missives' are the formal letters that form the Scottish contract. Once concluded, you are legally bound, unlike the English system.
Scottish Government Schemes
Open Market Shared Equity (OMSE), New Supply Shared Equity (NSSE) and Deposit Unlock can help with deposit and affordability.
Borrowing, Repayments & Scottish LBTT
Enter your income and deposit to see your maximum borrowing, estimated monthly repayment and Scottish Land & Buildings Transaction Tax (LBTT) with a full band breakdown. Buying in England? SDLT rates differ slightly; ask your adviser for the equivalent figures.
Adjusts your max property price and cash-needed-upfront instantly.
Seen a specific property? Enter its price to see the borrowing, monthly cost and tax for that home, alongside your maximum borrowing.
Indicative only. Lenders stress-test affordability against your outgoings and credit profile, so actual borrowing may differ. LBTT uses current Revenue Scotland rates. England & Northern Ireland use Stamp Duty Land Tax (SDLT) instead, with slightly different bands and thresholds; your adviser can provide the equivalent SDLT figures if you are buying south of the border.
Based on 4.5× combined income of £45,000
Max Property Price
£232,500
Loan-to-Value
87%
25 yrs @ 4.5% on £202,500
Effective 0.75% on £232,500
The Scottish Home Buyer Checklist
Everything you need to get mortgage ready in Scotland, from credit checks to concluded missives. Tick it off as you go.
Book Your FREE Call
Complete our quick contact form and choose a time that suits your daily schedule. We will review your goals and explain options clearly.
100% Free Consultation
No hidden charges or upfront fees for our initial review.
No Call Centres
You speak directly to your dedicated Scottish mortgage broker.
Zero Credit Impact
Our initial discussion will not affect your credit score in any way.
Frequently Asked Questions
Everything you need to know about getting a mortgage, our fees, and how we handle your data.