Mortgage advice in Haddington
Mortgage broker in Haddington
Haddington is the county town of East Lothian. Tony helps first-time buyers, home movers, landlords and existing homeowners in Haddington compare options from over 100 lenders and explains each step in plain English.
Talk to TonyAt a glance
- Serving Haddington and East Lothian
- 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 Haddington
Haddington is the county town of East Lothian, with a historic centre and St Mary's Collegiate Church, and is within reach of Edinburgh by road.
Local knowledge: Haddington
- Nearby villages include Gifford, East Linton and Athelstaneford.
- Bus services link the town with Edinburgh and the coast.
- St Mary's Collegiate Church is a well-known local landmark.
- Knox Academy is the local secondary school.
Buying a home in Haddington
- Haddington's town centre largely keeps its historic street plan and is a conservation area with many listed buildings, alongside newer housing built on the western side since 2016.
- Haddington is East Lothian's administrative and cultural centre, about 17 miles east of Edinburgh, with the A1 about a kilometre away and bus links but no railway station.
- Buyers may weigh Edinburgh commuting by bus or car, or by rail from Drem, about four miles away.
How Tony can help in Haddington
Every situation is different. These are the main ways Tony helps people in Haddington.
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.
Haddington mortgage questions
Do you help buyers in Gifford and East Linton?
Yes. Tony helps buyers and homeowners across Haddington and the surrounding villages, including Gifford and East Linton, 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
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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