Mortgage advice in Hamilton
Mortgage broker in Hamilton
Hamilton is in South Lanarkshire, close to Tony's Carluke base. Tony helps first-time buyers, home movers, landlords and existing homeowners in Hamilton and the surrounding area compare mortgage options from over 100 lenders, and explains each step in plain English.
Talk to TonyAt a glance
- Serving Hamilton 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 Hamilton
Hamilton is a large South Lanarkshire town with a lot of variety, from the town centre and established districts to newer pockets on its edges. Tony is based in nearby Carluke, so Hamilton is on his doorstep.
Local knowledge: Hamilton
- Districts and neighbourhoods include Burnbank, Hillhouse, Earnock (including High Earnock), Fairhill, Whitehill, Udston, Woodhead and Ferniegair.
- Hamilton Central, Hamilton West and Chatelherault stations connect the town by rail.
- Strathclyde Park and Chatelherault Country Park are on the doorstep, and Hamilton Mausoleum and the Low Parks Museum are local landmarks.
- Local secondary schools include Hamilton Grammar School, Holy Cross High School, St John Ogilvie High School and Calderside Academy.
Tony and Hamilton
Tony moved to Hamilton as a teenager. He ate in Carrigans and first started playing golf here, so he knows the town well.
How Tony can help in Hamilton
Every situation is different. These are the main ways Tony helps people in Hamilton 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.
Hamilton mortgage questions
Can you help with a mortgage if I am buying in Hamilton?
Yes. Tony helps buyers and homeowners in Hamilton and across South Lanarkshire. He is based in nearby 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.
More about Lanarkshire
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