Mortgage advice in Milngavie
Mortgage broker in Milngavie
Milngavie is in East Dunbartonshire, about six miles north of Glasgow city centre. Tony helps first-time buyers, home movers, landlords and existing homeowners in Milngavie and nearby areas compare mortgage options from over 100 lenders, and explains each step in plain English.
Talk to TonyAt a glance
- Serving Milngavie and East Dunbartonshire
- 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 Milngavie
Milngavie is a commuter town just north of Bearsden, known as the start of the West Highland Way, with a pedestrianised town centre.
Local knowledge: Milngavie
- Milngavie station on the North Clyde line runs to Glasgow Queen Street.
- The housing mix includes twentieth-century homes, Victorian villas and newer developments.
- The Tannoch Conservation Area has Victorian architecture.
- Douglas Academy is the local state secondary school.
- Tony can help downsizers and retirees as well as first-time buyers.
How Tony can help in Milngavie
Every situation is different. These are the main ways Tony helps people in Milngavie and East Dunbartonshire.
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.
Milngavie mortgage questions
Can you help with downsizing or later-life moves in Milngavie?
Yes. Tony helps people moving home at every stage and can explain the options for mortgages and protection as your circumstances change.
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