Mortgage advice in Dalkeith

Mortgage broker in Dalkeith

Tony helps first-time buyers, home movers, landlords and existing homeowners in Dalkeith, Eskbank and the wider Midlothian area. He compares options from over 100 lenders and explains each step in plain English.

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At a glance

Serving Dalkeith and Midlothian
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 Dalkeith

Dalkeith is a Midlothian town about seven miles south of Edinburgh, with Dalkeith Country Park and a historic town centre. It suits many people who work in Edinburgh but want a different pace of life.

Local knowledge: Dalkeith

Areas include Eskbank, Woodburn and Newbattle, with Bonnyrigg and Lasswade nearby.
Eskbank railway station is on the Borders Railway, and Lothian Buses serve the town.
Dalkeith Palace and Dalkeith Country Park are the well-known local landmarks.
Dalkeith High School and St David's High School share the Woodburn campus, and Edinburgh College has a Midlothian campus at Eskbank.

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Buying a home in Dalkeith

Housing in Dalkeith often includes traditional stone-built houses and Victorian terraces alongside newer-build developments.
Dalkeith has no station of its own, but nearby Eskbank is on the Borders Railway, and the town is home to Dalkeith Country Park and Dalkeith Palace.
Bus services and the nearby Borders Railway link to Edinburgh, which may appeal to commuters wanting a smaller-town setting close to the city.

How Tony can help in Dalkeith

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

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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Dalkeith mortgage questions

Do you help buyers in Eskbank, Newbattle and Bonnyrigg?

Yes. Tony helps buyers and homeowners across Dalkeith, including Eskbank, Newbattle and Woodburn, as well as nearby Bonnyrigg and Lasswade, 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

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.

Mortgage advice in EdinburghIndependent advice from Tony Flynn.

Mortgage advice in LivingstonIndependent advice from Tony Flynn.

Mortgage advice in Edinburgh and the LothiansIndependent advice from Tony Flynn.

Mortgage advice in All of ScotlandIndependent advice from Tony Flynn.

Ready to talk it through?

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