As a trusted mortgage advice service based in Scotland, we work closely with a range of clients and businesses across the UK and abroad to help them secure the best mortgage product for their needs.
From first-time buyers, remortgages, home movers and the self-employed, we offer clear, independent advice with no pressure and no jargon - just straightforward support from start to finish.
Your Journey Made Simple
Our expert, mortgage advice is tailored to your needs, whether you're ready now or in the future.
Book Your FREE Call
Complete our form and book a time that suits your own schedule. We'll discuss your needs and look at your options and discuss your next step.
Get Expert Advice
We search over 90 lenders to find the deal that fits your needs, explain everything clearly, and guide you through the process.
Your Journey With Us
Whether you’re buying, remortgaging, or moving home, we handle the paperwork and keep you updated all the way right through to getting your keys.
The Value of Speaking to Us
Our expert, mortgage advice is tailored to your needs, whether you're ready now or in the future. As a local expert, we will provide clarity and confidence to understand your mortgage options, so you can make the right choice based on the right advice.
Free chat
No call centres, you deal directly with us
No impact on your credit score
Authorised and regulated by the FCA
Tailored Advice for Every Client Type
First Time Buyer
Remortgage
Home Mover
Bad Credit
Insurance
Buy To Let
Do You Have Any Queries?
Please Go Through Our Frequently Asked Questions First
1. What does a mortgage broker do?
A mortgage broker acts as a middleman between you and lenders, helping you find the most suitable mortgage deal based on your financial situation and goals.
2. Why should I use a mortgage broker instead of going directly to a bank?
Brokers have access to a wide range of lenders and exclusive deals that may not be available directly to the public. We also handle the paperwork and guide you through the process from start to finish.
3. How much can I borrow?
This depends on your income, expenses, credit history, and deposit size. Most lenders offer between 4 to 4.5 times your annual income, but this can vary.
4. What is a Decision in Principle (DIP)?
A DIP is a statement from a lender indicating how much they might be willing to lend you, based on a basic assessment of your finances. It’s useful when house hunting.
5. What types of mortgages are available?
There are fixed-rate, variable-rate, tracker, offset, and interest-only mortgages. I’ll help you understand the pros and cons of each and find the best fit for your needs.
6. Can I get a mortgage with bad credit?
Yes, there are specialist lenders who cater to clients with less-than-perfect credit. I can help identify the right options and improve your chances of approval.
7. How long does the mortgage process take?
Typically, it takes 2 to 6 weeks from application to offer, depending on your circumstances and the lender’s processing times.
8. What fees are involved?
Fees can include arrangement fees, valuation fees, legal costs, and broker fees. I’ll provide a clear breakdown so there are no surprises.
9. What documents will I need?
Usually, you’ll need proof of income, bank statements, ID, and details of any debts or financial commitments.
10. Can I repay my mortgage early?
Many mortgages allow early repayment, but some may charge an early repayment fee. I’ll help you understand the terms of your deal.