Mortgage advice in East Kilbride
Mortgage broker in East Kilbride
East Kilbride is in South Lanarkshire, within reach of Tony's Carluke base. Tony helps first-time buyers, home movers, landlords and existing homeowners in East Kilbride and nearby areas compare mortgage options from over 100 lenders, and explains everything in plain English.
Talk to TonyAt a glance
- Serving East Kilbride 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 East Kilbride
East Kilbride was Scotland's first new town, designated in 1947, and is now one of the largest towns in Scotland. It has a mix of original new town districts and newer developments.
Local knowledge: East Kilbride
- Areas include Calderwood, Greenhills, The Murray, St Leonards, Westwood, Stewartfield, Lindsayfield and Mossneuk, plus the older Village.
- East Kilbride and Hairmyres stations have trains to Glasgow Central.
- James Hamilton Heritage Park and Calderglen Country Park are local green spaces, and the National Museum of Rural Life is at Wester Kittochside.
- South Lanarkshire College is in the town, and secondary schools include Calderglen High and Duncanrig Secondary.
How Tony can help in East Kilbride
Every situation is different. These are the main ways Tony helps people in East Kilbride and South Lanarkshire.
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.
East Kilbride mortgage questions
Can you help with a mortgage if I am buying in East Kilbride?
Yes. Tony helps buyers and homeowners in East Kilbride and across South Lanarkshire. He is based in Carluke and can search over 100 lenders for options that may suit your circumstances.
Do you charge a fee for mortgage advice?
There may be a fee for mortgage advice. The amount depends on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed. We will explain this before you commit.
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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