Mortgage advice in Prestwick
Mortgage broker in Prestwick
Prestwick is a South Ayrshire coastal town beside Ayr. Tony helps first-time buyers, home movers, landlords and existing homeowners in Prestwick compare options from over 100 lenders and explains each step in plain English.
Talk to TonyAt a glance
- Serving Prestwick 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 Prestwick
Prestwick is a South Ayrshire coastal town next to Ayr, home to Glasgow Prestwick Airport, a long beach and well-known golf courses.
Local knowledge: Prestwick
- Nearby areas include Monkton, Symington and Newton on Ayr.
- Prestwick railway station and Prestwick Airport station both have services towards Glasgow.
- Prestwick Old Course and Prestwick beach are well-known local features.
- Prestwick Academy is the local secondary school.
Buying a home in Prestwick
- Prestwick is split by Main Street and the railway line, with both council-built and private homes in areas such as Kingcase, Glenburn and Shawfarm.
- Glasgow Prestwick Airport lies in the town, and both Prestwick Town and Prestwick International Airport stations are on the Ayrshire Coast Line to Glasgow Central.
- Rail links to Glasgow and the nearby airport may appeal to some commuters and frequent travellers.
How Tony can help in Prestwick
Every situation is different. These are the main ways Tony helps people in Prestwick.
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.
Prestwick mortgage questions
Do you help buyers in Monkton and Symington?
Yes. Tony helps buyers and homeowners across Prestwick, including nearby Monkton and Symington, as well as neighbouring Ayr and Troon, 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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