Mortgage advice in Aberdeen
Mortgage broker in Aberdeen
Aberdeen is Scotland's main north-east city. Tony helps first-time buyers, home movers, landlords and existing homeowners in Aberdeen compare options from over 100 lenders and explains each step in plain English.
Talk to TonyAt a glance
- Serving Aberdeen and Aberdeen and Aberdeenshire
- 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 Aberdeen
Aberdeen is Scotland's main north-east city, known for Marischal College, Duthie Park and its harbour, with rail links to Dundee, Edinburgh and Inverness.
Local knowledge: Aberdeen
- Areas include Cults, Bridge of Don, Torry and Dyce.
- Aberdeen railway station has services to Dundee, Edinburgh and Inverness.
- Marischal College and Duthie Park are well-known local landmarks.
- Aberdeen Grammar School is one of the local secondary schools.
Buying a home in Aberdeen
- Housing often includes granite-built Victorian properties in established areas, alongside newer suburban estates on the edges of the city.
- Countesswells, on the western edge of the city, received planning permission in 2014 for 3,000 homes, with a supermarket and primary school already in place.
- The Aberdeen Western Peripheral Route, fully open since 2019, bypasses the city and links the A90, A96 and other routes, which may suit buyers travelling around the north-east.
How Tony can help in Aberdeen
Every situation is different. These are the main ways Tony helps people in Aberdeen.
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.
Aberdeen mortgage questions
Do you help buyers in Cults and Bridge of Don?
Yes. Tony helps buyers and homeowners across Aberdeen, including Cults and Bridge of Don, as well as the wider Aberdeenshire area, 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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