Mortgage advice in Giffnock
Mortgage broker in Giffnock
Giffnock is in East Renfrewshire, on the south side of Glasgow. Tony helps first-time buyers, home movers, landlords and existing homeowners in Giffnock and nearby areas compare mortgage options from over 100 lenders, and explains each step in plain English.
Talk to TonyAt a glance
- Serving Giffnock and East Renfrewshire
- 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 Giffnock
Giffnock is a well-connected suburb on the south side of Glasgow, with a mix of nineteenth and twentieth-century homes and grander sandstone villas in the south.
Local knowledge: Giffnock
- Giffnock, Whitecraigs and Williamwood stations serve the area, and the M77 is close by.
- Fenwick Road is the main shopping street.
- Rouken Glen Park and Eastwood Park, with its leisure centre, are popular local spots.
- St Ninian's High School and Giffnock and Braidbar primaries serve the area.
- Tony can search lenders for larger borrowing if you need it.
How Tony can help in Giffnock
Every situation is different. These are the main ways Tony helps people in Giffnock and East Renfrewshire.
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.
Giffnock mortgage questions
Can you help with higher-value mortgages in Giffnock?
Yes. If you are borrowing at a higher level, 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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