Mortgage advice in Edinburgh and the Lothians
Mortgage broker in Edinburgh and the Lothians
Tony helps first-time buyers, home movers, landlords and existing homeowners in Edinburgh, West Lothian and the wider Lothians. He compares options from over 100 lenders and explains each step in plain English.
Talk to TonyAt a glance
- Edinburgh, West Lothian and the Lothians
- 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.
Helpful guides
Areas we cover in Edinburgh and the Lothians
Edinburgh and the Lothians combine a busy city property market with commuter towns such as Livingston. In many Scottish areas homes are sold with a closing date and offers over the asking price, so it helps to have your mortgage agreement in principle in place before you start viewing. Tony can compare lenders and explain the process before you make an offer.
How Tony can help
Every situation is different. These are the main ways Tony helps people in Edinburgh and the Lothians.
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.
Edinburgh and the Lothians mortgage questions
Can you help if I am buying in Edinburgh but you are based in Carluke?
Yes. Tony helps people across Scotland, including Edinburgh and the Lothians, and can speak to you wherever you are. He can search over 100 lenders for options that may suit your circumstances.
Does it help to have a mortgage agreement in principle before making an offer?
It often helps. Many Scottish homes are sold with a closing date, so having an agreement in principle can show sellers you are ready to move. It is not a guarantee of a mortgage and depends on 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.
Ready to talk it through?
A quick chat with Tony is a good first step. No jargon, no pressure.
Talk to Tony