Mortgage advice in Livingston
Mortgage broker in Livingston
Tony is based in Carluke, Lanarkshire, and advises people buying and remortgaging across Scotland, including Livingston and West Lothian. He can compare over 100 lenders and around 28,000 deals, and talk you through your options in plain English, whether you are buying your first home or moving on.
Talk to TonyAt a glance
- Helping buyers and homeowners in Livingston
- Access to 100+ lenders and around 28,000 deals
- Rated 5.0 from 235+ Google reviews
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
About Livingston
Livingston is a West Lothian new town, designated in 1962, within easy reach of both Edinburgh and Glasgow. Tony helps buyers and homeowners across the town and West Lothian.
Local knowledge: Livingston
- Districts include Almondvale, Livingston Village, Dedridge, Howden, Ladywell, Knightsridge, Deans, Murieston and Craigshill.
- Livingston North and Livingston South stations serve the town, and the M8 runs along its northern edge.
- The Centre and the Livingston Designer Outlet are the main shopping destinations, and St John's Hospital is in Howden.
- West Lothian College is based in the town.
How Tony can help in Livingston
Every situation is different. These are the main ways Tony helps people in Livingston and West Lothian.
How it works with Tony
Buying in Scotland: good to know
- Scotland has its own property tax, LBTT, rather than stamp duty.
- Sellers usually provide a Home Report, and many homes go to a closing date with offers over the asking price.
- Having a mortgage agreed in principle before you offer can help. It is not a guarantee of a mortgage.
Meet your adviser
Hi, I'm Tony Flynn
I'm a mortgage and protection adviser based in Carluke, helping people across Lanarkshire and Scotland.
I've spent 15+ years in finance and have been named Mortgage Professional of the Year at the Prestige Awards Scotland five years in a row. I'll explain your options in plain English so you know exactly where you stand.
Livingston mortgage questions
Can you help with a mortgage if I am buying in Livingston?
Yes. Tony helps buyers and homeowners in Livingston and West Lothian. He is based in Carluke and can search over 100 lenders for options that may suit your circumstances.
Do you charge a fee for mortgage advice?
There may be a fee for mortgage advice. The amount depends on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed. We will explain this before you commit.
How does buying a home in Scotland differ from the rest of the UK?
Scotland has its own property tax, Land and Buildings Transaction Tax (LBTT), rather than stamp duty. Sellers usually provide a Home Report, and many homes are sold with offers over the asking price or a closing date, so it helps to have your mortgage agreed in principle before you make an offer.
What is a mortgage agreement in principle?
It is a lender's initial indication of how much they may lend you, based on the information you give. It is not a guarantee, but it can help show sellers you are serious before you make an offer.
Can you help if I am self-employed or have a lower credit score?
Some lenders may consider self-employed applicants or people with a lower credit score, depending on your circumstances. Tony can look at which lenders may be a fit. Availability and criteria vary and nothing is guaranteed.
Can you arrange protection as well as a mortgage?
Yes. Tony can also advise on life insurance, critical illness cover and income protection alongside your mortgage.
Helpful guides
Other areas we cover
Tony is based in Carluke and helps people across Lanarkshire and Scotland.
Ready to talk it through?
A quick chat with Tony is a good first step. No jargon, no pressure.
Talk to Tony