Mortgage advice in Ayr

Mortgage broker in Ayr

Tony helps first-time buyers, home movers, landlords and existing homeowners in Ayr and across Ayrshire, wherever you are in Scotland. He compares options from over 100 lenders and explains each step in plain English.

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At a glance

Serving Ayr and South Ayrshire
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 Ayr

Ayr is a seaside town on the Ayrshire coast with a sandy beach, a racecourse and a long association with Robert Burns. Homes range from established districts close to the town centre to newer areas on the edges.

Local knowledge: Ayr

Areas include Alloway, Doonfoot, Heathfield, Holmston, Kincaidston, Newton-on-Ayr, Seafield, Wallacetown and Whitletts.
Ayr railway station has services to Glasgow Central, Kilmarnock and Girvan, and the A77 passes the town.
Belleisle Park, Rozelle Park and the esplanade beach are local favourites, and Burns Cottage is in Alloway.
Nearby Prestwick and Troon are well known for golf, and Glasgow Prestwick Airport is close by.

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Buying a home in Ayr

Ayr's housing often includes Victorian suburbs south of the River Ayr, modern suburban developments, and council-built estates from the post-war period, such as Kincaidston.
Ayr is the administrative centre for South Ayrshire and has University Hospital Ayr, Ayrshire College and a University of the West of Scotland campus.
Ayr has rail services to Glasgow Central and the A77 to Glasgow, which may appeal to some commuters.

How Tony can help in Ayr

Every situation is different. These are the main ways Tony helps people in Ayr.

First time buyersUnderstand the process, your deposit and what you may be able to borrow.

RemortgageCompare new deals as your current one nears its end.

Buy to letSpecialist advice for landlords and investors.

Poor creditOptions that some lenders may consider, depending on your circumstances.

Self-employedGuidance on the paperwork lenders may ask for.

ProtectionLife insurance, critical illness and income protection.

How it works with Tony

1A quick chatWe talk through your plans and finances.

2Compare your optionsTony explains what could suit you and what it would cost, in plain English.

3We handle the processIf you go ahead, we help with the application through to completion.

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.

Tony Flynn, mortgage and protection adviser in Lanarkshire, giving a thumbs up

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.

15+Years in finance

235+Google reviews

100%Recommended on Facebook

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Ayr mortgage questions

Can you help if I am buying in Ayr but you are based in Lanarkshire?

Yes. Tony helps people across Scotland, including Ayr and Ayrshire, and can speak to you wherever you are. He can search over 100 lenders for options that may suit your circumstances.

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

How much can I borrow?Estimate what you could borrow with our calculator.

First-time buyer deposit guideHow much deposit you may need and where it can come from.

Remortgage guideWorried about your payments? See your options.

Declined after agreement in principle?Why it can happen and what to do next.

Other areas we cover

Tony is based in Carluke and helps people across Lanarkshire and Scotland.

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Ready to talk it through?

A quick chat with Tony is a good first step. No jargon, no pressure.