Mortgage advice in Bothwell
Mortgage broker in Bothwell
Bothwell is a village in South Lanarkshire, close to Uddingston and Hamilton and not far from Tony's Carluke base. Tony helps first-time buyers, home movers, landlords and existing homeowners in Bothwell and the surrounding area compare mortgage options from over 100 lenders, and explains each step in plain English.
Talk to TonyAt a glance
- Serving Bothwell and South Lanarkshire
- 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 Bothwell
Bothwell sits between Uddingston and Hamilton, with Bothwell Castle, a ruined medieval castle looked after by Historic Environment Scotland, nearby.
Local knowledge: Bothwell
- Uddingston railway station and Hamilton are close by for commuting.
- Bothwell Castle, a medieval ruin, is a well-known local landmark.
- If you are borrowing at a higher level, some lenders have specific criteria. Tony can search for those that suit your income and deposit.
- Tony is based in Carluke, close to Bothwell, and also advises by phone and video.
How Tony can help in Bothwell
Every situation is different. These are the main ways Tony helps people in Bothwell and South Lanarkshire.
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.
Bothwell mortgage questions
Can you help with larger mortgages in Bothwell?
Yes. If you are buying a higher-value home, Tony can search lenders whose criteria suit larger loans and explain what they may look at.
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.
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