Mortgage advice in Larkhall
Mortgage broker in Larkhall
Larkhall is a South Lanarkshire town near Hamilton and not far from Tony's Carluke base. Tony helps first-time buyers, home movers, landlords and existing homeowners in Larkhall compare options from over 100 lenders and explains each step in plain English.
Talk to TonyAt a glance
- Serving Larkhall 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 Larkhall
Larkhall is a South Lanarkshire town close to Hamilton, with the Clyde Valley nearby and good road and rail links into Lanarkshire and Glasgow.
Local knowledge: Larkhall
- Areas include Raploch and Burnbank, with Ashgill and Netherburn close by.
- Larkhall railway station has regular services to Glasgow Central via Hamilton.
- Morgan Glen is a popular local park and green space.
- Larkhall Academy is the local secondary school.
Buying a home in Larkhall
- Larkhall station reopened in December 2005 as the terminus of the Argyle Line, with Merryton station also serving the town, and the M74 runs along its eastern edge.
- Larkhall is often described as a commuter town for Glasgow, with rail services and nearby M74 junctions that some buyers may find useful.
How Tony can help in Larkhall
Every situation is different. These are the main ways Tony helps people in Larkhall.
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.
Larkhall mortgage questions
Do you help buyers in Ashgill and Netherburn?
Yes. Tony helps buyers and homeowners across Larkhall, including Raploch and Ashgill, as well as nearby Netherburn, Stonehouse and Hamilton, and can speak to you wherever you are.
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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