Mortgage advice in Carluke
Mortgage broker in Carluke
Tony Flynn Mortgages is based at 33-35 Hamilton Street, Carluke, so Carluke and the surrounding Clyde Valley villages are home ground. Whether you are buying your first home, moving, remortgaging or investing, Tony can compare over 100 lenders and around 28,000 deals to find options that may suit you.
Talk to TonyAt a glance
- Based in Carluke, South Lanarkshire
- 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 Carluke
Carluke is the base for Tony Flynn Mortgages, so this is genuinely local advice. The town sits in the Clyde Valley, an area long known for fruit growing.
Local knowledge: Carluke
- Carluke railway station has services towards Lanark, Motherwell, Glasgow and Edinburgh.
- Nearby villages include Braidwood, Forth, Kilncadzow and Law.
- Local primary schools include Carluke, High Mill, Kirkton, Crawforddyke, St Athanasius and Braidwood, and Carluke High School is the local secondary.
- Carluke Leisure Centre and the John Cumming Stadium are local facilities, and the Market Square and High Street form the town centre.
Tony and Carluke
Tony lives in nearby Law and is often found at early meetings in Kings, and he rates Prego as a favourite Italian restaurant. Tony Flynn Mortgages sponsors Carluke Golf Club, Carluke Over 35s, Milton Rovers 2019s and Law AFC, supports local causes such as Carluke Charity.
Carluke Golf Club
Carluke Golf Club is a parkland course set in rolling Lanarkshire countryside, and its downhill par three 11th hole, Glenburn, is a local favourite. Golf has been part of Tony's life since he first started playing as a teenager in Hamilton, and Tony Flynn Mortgages is proud to help support and sponsor Carluke Golf Club. Visit Carluke Golf Club
How Tony can help in Carluke
Every situation is different. These are the main ways Tony helps people in Carluke and South Lanarkshire.
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.
Carluke mortgage questions
Are you a local mortgage broker in Carluke?
Yes. Tony Flynn Mortgages is based at 33-35 Hamilton Street, Carluke, ML8 4HG, and helps people across Carluke, Lanarkshire and the rest of Scotland.
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. We will explain this before you commit.
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.
More about Lanarkshire
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A quick chat with Tony is a good first step. No jargon, no pressure.
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