Serving Scotland
Your Mortgage Expert in Scotland
Get clear, honest mortgage advice from a adviser named Mortgage Professional of the Year five years in a row. We search 28,000+ deals from over 100 lenders to look for a mortgage that suits you, whether you're a first-time buyer, moving home, or remortgaging.
★★★★★ Helping Scottish buyers and homeowners — from first-time mortgages to the most complex cases. Rated 5 stars by 235+ clients on Google.
Client Reviews
What Our Clients Say
"We remortgaged with Tony and as always it was a simple smooth process! He explains everything well and is very knowledgeable, honestly wouldn't go anywhere else for mortgage advice! Thanks again ☺️"
Remortgage Customer
"We got recommended Tony from a friend and from start to finish he has made myself and my husband feel at ease with the whole process. Nothing was too much for him or Katie and no question was too silly either. Would highly recommend them to anyone looking for any help."
Mortgage Customer
"I cannot recommend Tony and Katie highly enough. The service has been impeccable, making a potentially stressful and daunting process, seamless. Communication was effective and efficient, which is key in dealing with such a daunting process. You have a lifelong customer here."
Mortgage Customer
Covering the Whole of Scotland
Proudly Serving Scotland
Expert mortgage advice wherever you are in Scotland, with a personal touch you won't find on the high street.
- ✓Helping families and first-time buyers across Scotland find the right mortgage.
- ✓Deep knowledge of the Scottish property market
- ✓Evening and flexible appointments to suit your schedule
- ✓235+ Google reviews from happy clients
- ✓Access to 100+ lenders and 28,000+ mortgage deals
How It Works
The 5 Milestones of the Mortgage Process
We make the mortgage process simple and transparent. Here's what to expect from start to finish.
Check How Much You Can Borrow
We assess your income, outgoings and circumstances to give you a clear borrowing figure before you start searching.
Check How Much It Will Cost
We compare deals from over 100 lenders so you can see what your monthly payments and total costs may be.
Get a Mortgage in Principle
We secure a Decision in Principle from a lender — giving you the confidence and credibility to make an offer on a property.
Organise Your Purchase or Remortgage
We handle all the paperwork and liaise with lenders, solicitors and estate agents to keep everything on track.
Apply
We submit your full mortgage application, manage the process through to offer and are with you all the way to completion.
What We Offer
Mortgage Solutions Tailored to You
From first-time buyers to complex cases, we search over 100 lenders to look for a suitable deal for your situation.
First Time Buyers
Buying your first home in Scotland? We'll guide you through every step — from affordability checks to getting your keys.
Get Started →Remortgages
Your current deal ending? We'll search over 100 lenders to look for a better rate, which could save you money.
Learn More →Buy to Let
Looking to invest in Scottish property? We specialise in buy-to-let mortgages for both new and experienced landlords.
Explore Options →Poor Credit Mortgages
Don't let a poor credit score hold you back. We have access to specialist lenders who can help.
Talk to Us →Protection & Insurance
Protect your home and family with life cover, critical illness, and income protection tailored to your needs.
Get Protected →NHS Mortgages
Working for the NHS? We understand shift patterns and NHS pay scales and can find the right lender for you.
Find Out More →Mortgage questions
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.
How many lenders can you search?
We have access to over 100 lenders and around 28,000 mortgage deals across the UK. Availability and criteria vary and nothing is guaranteed.
Can I get a mortgage with a low credit score?
Some lenders may consider applications with a lower credit score, depending on your circumstances. Speak to us about your options.
Do you help first-time buyers across Scotland?
Yes. We guide first-time buyers from deposit planning through to getting the keys, wherever you are buying in Scotland.
Where are you based?
We are based in Carluke, South Lanarkshire, close to Edinburgh and Glasgow, and help clients across Scotland and the UK.
Get in Touch
Book Your Mortgage Consultation
Ready to take the next step? Fill in the form and we'll be in touch within one working day — no obligation, no pressure.