Mortgage advice in Fife
Mortgage broker in Fife
Tony helps first-time buyers, home movers, landlords and existing homeowners across Fife, from Dunfermline and Kirkcaldy to St Andrews and Glenrothes. He compares options from over 100 lenders and explains each step in plain English.
Talk to TonyAt a glance
- Dunfermline, Kirkcaldy, St Andrews, Glenrothes and Cupar
- 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 Fife
Fife has commuter towns near the Forth bridges, coastal communities and the university town of St Andrews. Which lenders suit you can depend on the property, your income and your plans, so it helps to speak to an adviser who can search the whole market.
How Tony can help
Every situation is different. These are the main ways Tony helps people in Fife.
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.
Fife mortgage questions
Do you cover the whole of Fife?
Yes. Tony helps people across Fife, including Dunfermline, Kirkcaldy, St Andrews, Glenrothes and Cupar. He is based in Carluke and can speak to you wherever you are in Scotland.
Can you help with a larger mortgage or a higher-value home?
Yes. If you are buying a higher-value home, Tony can search lenders whose criteria suit larger loans and explain what they may look at. Availability and criteria vary and nothing is guaranteed.
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