Mortgage advice in Edinburgh
Mortgage broker in Edinburgh
Tony is based in Carluke, Lanarkshire, and advises people buying and remortgaging across Scotland, including Edinburgh. He can compare over 100 lenders and around 28,000 deals, and talk you through your options in plain English, whether you are buying your first home or moving on.
Talk to TonyAt a glance
- Helping buyers and homeowners in Edinburgh
- 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 Edinburgh
Edinburgh is Scotland's capital and has its own busy property market, with many homes sold with a closing date and offers over the asking price. Tony helps buyers and homeowners across the city.
Local knowledge: Edinburgh
- Popular areas include Morningside, Stockbridge, Marchmont, Leith, Portobello and Corstorphine.
- Edinburgh Waverley and Haymarket stations and the Edinburgh Trams connect the city.
- Arthur's Seat and the Water of Leith walkway are well-known green spaces.
- The Old Town and New Town are a UNESCO World Heritage Site, and many homes in the city are flats in older buildings.
How Tony can help in Edinburgh
Every situation is different. These are the main ways Tony helps people in Edinburgh and 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 mortgage questions
Do you help people buying a home in Edinburgh?
Yes. Tony is based in Carluke, Lanarkshire, and advises first-time buyers, home movers, landlords and homeowners buying or remortgaging in Edinburgh.
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.
Talk to Tony