Fee-free · Whole-of-market · Personal
Buying for the first time, moving on or reviewing your existing mortgage? Your dedicated adviser helps you understand the options and supports you from enquiry to completion.
Your home may be repossessed if you do not keep up repayments on your mortgage.
A mortgage that fits your circumstances
We provide fee-free advice and access to the whole of the mortgage market. Your income, commitments, plans and priorities all belong in the conversation.
Based in Edinburgh, we work with buyers and homeowners across Central Scotland and the UK, including self-employed professionals, landlords and company directors.
You deal with the same experienced adviser throughout, rather than having to explain your circumstances again at every step.
Buying a home
Your first mortgage comes with plenty of questions. Start by discussing your deposit, income and regular spending, alongside the kind of home you are looking for.
We help you understand the mortgage options and the application process, so your next step feels clearer. You do not need to have found a property before getting in touch.
Explore first-time buyer adviceA different home can mean different borrowing needs. A conversation about your existing mortgage, the move you have in mind and your wider budget helps put the options in context.
We can consider a new mortgage alongside whether porting your current arrangement could be suitable, subject to your lender's requirements.
Explore moving-home adviceYour existing mortgage
If your current deal is coming to an end or your circumstances have changed, it is worth understanding your options before making a decision.
We consider the mortgage as a whole, including the rate, term and relevant costs. Moving to a different lender is not automatically the right choice for everyone.
Explore remortgage advicePorting means taking an existing mortgage product to a new property, where the lender permits it. It is not an automatic transfer or a guarantee of approval.
Your lender may reassess your circumstances and the new property. If you need additional borrowing, the terms for that borrowing may differ. We help you consider porting alongside the alternatives.
Discuss mortgage portingBefore we speak
Think about your plans and timescale, your deposit or equity, your income and existing commitments. If you already have a mortgage, knowing when your current deal ends can help the conversation.
Please do not send bank statements or identity documents through an initial enquiry or WhatsApp message. Your adviser will explain what is needed and how to provide it.
No. Calculator figures are illustrations, not a lending decision. A lender will assess eligibility and affordability against its own requirements.
Yes. Your mortgage and your household commitments are connected. We also provide personal protection advice so you can consider them together.
It describes our mortgage advice: access to the whole of the mortgage market, rather than recommendations limited to a restricted range of mortgage products.
Fee-free mortgage advice, with one adviser throughout.
Focused mortgage guidance