Independent mortgage advice
for clients across Scotland.
Whole of market advice for first time buyers, homeowners and landlords — from Fort William and Oban to Glasgow and the central belt. In person or by video, wherever you are in Scotland.
- Fort William
- Oban
- Glasgow
- Lanarkshire
- Renfrewshire
- Edinburgh
- Highlands
- + all of Scotland
Your mortgage starting point
What are you looking to do?
- Takes less than 30 seconds
- No obligation
- See your options
Every kind of mortgage, one clear recommendation.
We compare the whole market, then handle the paperwork from first conversation to mortgage offer.
First Time Buyers
Get on the ladder with the Scottish process explained end to end.
Learn moreRemortgage
Lower your payments or release equity before your deal ends.
Learn moreBuy to Let
Landlord and portfolio advice, with ADS costed upfront.
Learn moreSelf-Employed
Lenders matched to your income, not just your payslips.
Learn moreAdvice you can act on with confidence.
Speak to a qualified adviser, not a call centre.
The same adviser looks after you from first conversation to mortgage offer. Initial consultations are always free.
Phil McLeod
Principal Mortgage Adviser
Founder of the firm. Based in Lesmahagow, Phil advises clients across South Lanarkshire on first time buyer mortgages, remortgages, buy to let, self-employed and complex cases.
Enquire with Phil
Dougie Ritchie
Mortgage Adviser — Buy to Let & Complex Cases
Based in Renfrew, Dougie advises landlords and complex-case clients across Renfrewshire, Paisley and Central Scotland. An experienced adviser and property investor in his own right.
Enquire with DougieHow much could I borrow?
A quick estimate from your household income, debts and deposit. No sign-up, no obligation.
Rated 5.0 by more than 100 clients.
“Phil went above and beyond to find the right lender — no jargon, just clear explanations of the pros and cons. Have used Phil for multiple buy to lets and our own home. Highly recommend.”
“Phil was super friendly and helpful when our mortgage deal was maturing. He compared rates and shared the info simply, allowing us to make the best choice. Will definitely be back — and reminded us to review our insurance too, which was really helpful.”
“From start to finish Phil kept us informed about everything. As first time buyers we didn't have a clue. Phil took us through all options and was incredibly fast getting our mortgage. Can't thank him enough — highly recommend.”
“Phil has been amazing throughout the full process — reassuring at every step and very helpful with any questions or worries I had. Would absolutely recommend to anyone.”
“Phil was brilliant from start to finish — nothing was a problem. Huge thank you for all the help.”
“Phil was absolutely brilliant to deal with — no issues at all. Would highly recommend. Thanks again Phil.”
Mortgage advice throughout Scotland.
Much of our work comes from existing clients and referrals right across the country, including a steady stream of introductions from Fort William, Oban and the surrounding areas. We advise in person, by phone or by video, so where you live is rarely the deciding factor.
Written by our advisers, for Scotland.
Plain-English guides on debt consolidation and buy to let — the two areas clients ask us about most.
How a Debt Consolidation Mortgage Works in Scotland
Rolling credit cards, loans and car finance into your mortgage can cut your monthly outgoings sharply — but it turns unsecured debt into debt secured on your home. Here is how it works in Scotland, and when it makes sense.
Read guide Debt ConsolidationShould You Consolidate Debt Into Your Mortgage? An Honest Answer
The monthly saving is real, and so is the extra interest. Here is a straight framework for deciding whether debt consolidation is right for your household — including the alternatives most people are never shown.
Read guide Debt ConsolidationRemortgaging to Consolidate Debt in Scotland: Costs, Criteria and Timings
If your fixed rate is ending, remortgaging is usually the cheapest way to consolidate. Here are the loan to value limits, the fees, the Scottish legal steps and a realistic timeline.
Read guideReady to see your options?
Two quick questions and an adviser will come back to you within 2 hours, Mon–Fri. Free, and no obligation.
Start my enquiryWould rather talk it through?
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