Mortgage advice in Perth
Mortgage broker in Perth
Perth is the main city of Perth and Kinross. Tony helps first-time buyers, home movers, landlords and existing homeowners in Perth compare options from over 100 lenders and explains each step in plain English.
Talk to TonyAt a glance
- Serving Perth and Perthshire
- 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 Perth
Perth is the main city of Perth and Kinross, on the River Tay, with Perth Concert Hall, the North Inch and South Inch parks and direct rail links.
Local knowledge: Perth
- Nearby areas include Scone, Almondbank and Bridge of Earn.
- Perth railway station has services to Edinburgh, Glasgow, Dundee and Inverness.
- The North Inch and South Inch parks are well-known local green spaces.
- Perth Academy is one of the local secondary schools.
Buying a home in Perth
- Bertha Park is a large urban expansion on the edge of Perth, planned for more than 3,000 homes over several decades, with a high school that opened in 2019.
- Perth sits where the M90, A9 and A93 meet and has a railway station, which may suit buyers needing access to Edinburgh, Dundee or the Highlands.
How Tony can help in Perth
Every situation is different. These are the main ways Tony helps people in Perth.
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.
Perth mortgage questions
Do you help buyers in Scone and Bridge of Earn?
Yes. Tony helps buyers and homeowners across Perth, including Scone and Bridge of Earn, 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.
Talk to Tony