Mortgage advice in Stirling
Mortgage broker in Stirling
Stirling is a historic city in central Scotland. Tony helps first-time buyers, home movers, landlords and existing homeowners in Stirling compare options from over 100 lenders and explains each step in plain English.
Talk to TonyAt a glance
- Serving Stirling and Stirling and Forth Valley
- 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 Stirling
Stirling is a historic city in central Scotland, with Stirling Castle, the University of Stirling and rail links to Glasgow, Edinburgh and Perth.
Local knowledge: Stirling
- Nearby areas include Bridge of Allan, Dunblane and Cambusbarron.
- Stirling railway station has services to Glasgow, Edinburgh and Perth.
- Stirling Castle and the Wallace Monument are well-known local landmarks.
- Stirling High School is one of the local secondary schools.
Buying a home in Stirling
- Housing around Stirling often includes city-centre flats, family homes in areas such as Bridge of Allan and Bannockburn, and regenerated areas like Raploch.
- The Raploch regeneration programme includes 319 new homes across four sites, a mix of rented and private sale homes, according to the developer.
- Stirling's rail station and its position between Edinburgh and Glasgow may appeal to commuters, and the university may support interest from staff and students.
How Tony can help in Stirling
Every situation is different. These are the main ways Tony helps people in Stirling.
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.
Stirling mortgage questions
Do you help buyers in Bridge of Allan and Dunblane?
Yes. Tony helps buyers and homeowners across Stirling, including Bridge of Allan and Dunblane, 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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