First-time buyer mortgage advice.

What does first-time buyer advice cover?

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.

Dunedin Financial provides fee-free advice and access to the whole of the mortgage market. Your income, commitments, plans and priorities all belong in the conversation.

Does fee-free advice mean a mortgage has no costs?

No. Our advice is fee-free, but costs associated with a mortgage or insurance policy are separate. Your adviser can explain the costs relevant to the options you are considering.

As you plan your purchase, you can also read about buildings and contents insurance: cover for the property and cover for the belongings inside it have different roles.

Preparing for your first mortgage conversation

• Think about the deposit you have available.
• Consider your income and regular commitments.
• Tell us about your plans and timescale.
• Bring the questions you would like to understand more clearly.

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.

From enquiry to completion

You deal with the same adviser throughout, rather than having to explain your circumstances again at every step. Based in Edinburgh, we work with buyers across Central Scotland and the UK, including self-employed professionals and company directors.

Our mortgage repayment calculator can provide an illustration. Calculator figures are not a lending decision: a lender will assess eligibility and affordability against its own requirements.

Your mortgage and household commitments are connected. You can also discuss personal protection with your adviser.