Mortgage advice in Irvine
Mortgage broker in Irvine
Irvine is a North Ayrshire coastal town. Tony helps first-time buyers, home movers, landlords and existing homeowners in Irvine compare options from over 100 lenders and explains each step in plain English.
Talk to TonyAt a glance
- Serving Irvine and Ayrshire
- 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 Irvine
Irvine is a North Ayrshire coastal town with a harbour, Eglinton Country Park and the Scottish Maritime Museum, and rail links towards Glasgow and Ayr.
Local knowledge: Irvine
- Areas include Bourtreehill, Dreghorn and Springside, with Kilwinning nearby.
- Irvine railway station has services towards Glasgow and Ayr.
- Eglinton Country Park and the Scottish Maritime Museum are well-known local attractions.
- Irvine Royal Academy is one of the local secondary schools.
Buying a home in Irvine
- Irvine's housing often reflects its history as a Scottish new town, with a mix of older burgh streets and estates such as Bourtreehill and Fullarton built from the 1960s.
- Irvine was designated a new town in 1966, and the Harbourside area has seen redevelopment, including new homes alongside the Scottish Maritime Museum.
- Irvine station is on the Glasgow to Stranraer line and the A78 and A71 run nearby, so some buyers may consider it for commuting.
How Tony can help in Irvine
Every situation is different. These are the main ways Tony helps people in Irvine.
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.
Irvine mortgage questions
Do you help buyers in Dreghorn and Kilwinning?
Yes. Tony helps buyers and homeowners across Irvine, including Bourtreehill and Dreghorn, as well as nearby Kilwinning and Springside, 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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