Whether you’re buying your first home, moving to your next or looking to remortgage, our advisers are here to help. Through our partnership with Lomond Mortgage Services, you’ll have access to thousands of mortgage products from over 90 lenders, tailored to your needs, your budget and your future plans.
Local, face-to-face mortgage advice
The expert guidance we provide, combined with the volume of mortgages we arrange, puts us in a strong position to help you access the latest deals and reliable, well‑informed advice. We take care of everything, from explaining your options and supporting you in choosing the right mortgage, to arranging suitable protection for you and your family - all while managing the entire application process on your behalf with clear communication throughout.
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Choosing the right mortgage depends on your financial goals, how long you expect to stay in the property and what you’re comfortable paying each month. Your deposit, credit history and future plans will also influence which options suit you best. Speaking with a mortgage adviser can make it easier to compare products and find something that aligns with your budget and circumstances.
Yes, in many cases, it is possible. Lenders mainly want to see that your income is stable and sustainable, even if it comes from different sources or varies from month to month. If you’re self‑employed, you’ll usually be asked to provide recent accounts, tax returns or other documents that show a clear picture of your earnings. Those with more complex income, including bonuses, commission or freelance work, may be asked for a little further detail. A mortgage adviser can guide you through what’s needed and help identify the lenders who are best suited to your circumstances, giving you confidence in the process from the very start.
The amount you can borrow depends on several factors, including your income, credit history and your deposit amount. To get a quick idea of what you could borrow, use our mortgage calculator. Simply enter your income, deposit amount and repayment term to receive an estimate tailored to your situation.
The timeline varies, but many applications take a few weeks from agreement in principle to full approval. Factors like how quickly documents are provided and how complex your situation is can affect the timing.
A fixed‑rate mortgage keeps your interest rate the same for a set period, giving predictable monthly payments. A variable‑rate mortgage can go up or down over time, which may affect your repayments.