Mortgage advice in St Andrews
Mortgage broker in St Andrews
St Andrews is a historic Fife coastal town and university town. Tony helps first-time buyers, home movers, landlords and existing homeowners in St Andrews compare options from over 100 lenders and explains each step in plain English.
Talk to TonyAt a glance
- Serving St Andrews and Fife
- 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 St Andrews
St Andrews is a historic Fife coastal town, home to the University of St Andrews, St Andrews Cathedral and the Old Course.
Local knowledge: St Andrews
- Nearby areas include Strathkinness, Guardbridge and Leuchars.
- The nearest railway station is at Leuchars, with onward bus links to the town.
- The Old Course and St Andrews Cathedral are well-known local landmarks.
- Madras College is the local secondary school.
Buying a home in St Andrews
- The University of St Andrews has a large student population, and Fife Council operates an HMO licensing policy covering shared student housing.
- Demand for housing may come from students, tourism-related lets and local families, so buyers may find competition and rental-related considerations affect their plans.
How Tony can help in St Andrews
Every situation is different. These are the main ways Tony helps people in St Andrews.
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.
St Andrews mortgage questions
Do you help buyers in Strathkinness and Guardbridge?
Yes. Tony helps buyers and homeowners across St Andrews, including nearby Strathkinness and Guardbridge, 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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